BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am writing to report a concerning issue regarding a series of unauthorized transactions on my Chase bank account. On the dates of XX/XX/XXXX and XXXX, a total of ten unauthorized transactions were posted to my account. I promptly reported this issue to Chase bank within the same week. 

Chase bank acknowledged my report and conducted a thorough investigation into the unauthorized transactions. Subsequently, they accepted my claim and credited the disputed funds back to my account. However, to my dismay, on XX/XX/XXXX, I observed that Chase had reversed their decision and deducted the refunded amount from my account. In my conversation with Chase customer service, they replied to me back that the transactions were used by using my phone and face ID, asserting their inability to resolve the matter and refund the money. 

It is crucial to highlight that during the period when these unauthorized transactions occurred, I was on a business trip in Texas and did not utilize my Chase debit card. I kindly request you to verify this information by examining the flight ticket receipts and XXXX trip records that clearly indicate my presence at the airport on XX/XX/XXXX and my subsequent journey to XXXX, Texas. 

Additionally, I have attached supporting documents which demonstrate the fraudulent nature of these transactions. The transaction descriptions specify that the payment methods used were 'in person ' and XXXX, ' despite the fact that I was engaged in a training session at the time and have never possessed a XXXX account or used it for any transactions. 

I am deeply concerned about the resolution of this matter, as these unauthorized transactions are not only financially burdensome but also a breach of my account security. I kindly request your assistance in rectifying this situation promptly. 

Please feel free to contact me based on my information that I have provided to discuss this matter further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: CA
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2017 Balance : {$1100.00}

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 2023-01-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
When my account had enough funds I would get wrongly charge with overdraft or low fund fees

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 2018-07-23
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I contacted the companys corporate number and the company itself in person when making a payment. The loan steadily increases, I spoke with the customer service person at the corporate office he told me he couldnt gone me the exact amount my late fees are. Its just charges on the account, I asked for a breakdown off how much I have paid they told me they couldnt tell me the amount. Its the worst place to contact and please never get a loan or line of credit from first Virginia bank, payday loans are better.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: AR
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'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put on my report. The accounts and other items that do not belong to me or that were opened without my consent are listed below. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed : {$400.00} Medical XXXX Balance Owed : {$45.00XXXX XXXX XXXXXXXX Balance Owed : {$3200.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. The FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a consumer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Experian Information Solutions 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:
XXXX XXXX XXXX has a collection listed on my credit report for XXXX XXXX XXXX XXXX. I was a victim of Identity theft in the XXXX Breach. I filed an affidavit and sent copies to all three bureaus in XX/XX/2018. I have called XXXX, and Experian repeatedly, and disputed the error, I have emailed/ faxed them to their company as requested a copy of my supporting documents " affidavit, and have gotten no response to the emaile/faxes, and rude, offensive customer service, regarding my complaint / dispute. When I call. I have also called, XXXX, and Experian. Neither XXXX, nor Experian have corrected this on my credit report. I have disputed this with each, with no correction. XXXX was also informed of the fraudulent account/ collection, and immediately removed it.

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 2023-10-27
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2023, I fell victim to several multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX in XXXX from my Crypto.com account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Having enough money in the bank then all of a sudden not enough to cover cost so they charge over draft fees,

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 2022-12-02
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
American Express. Multiple phone calls every day to myself and father who has no relation to the account. I have no idea how they even got his cell phone number. 

I've tried asking them to stop contacting me as well as blocking the phone number but they just call from new ones. 

I'm working with a debt settlement company to settle the debt and they know that but continue to blow up my phone. 

There is too many phone calls to list. I had to download a call blocker app and pay a monthly membership fee just so I could get a break from all the calls but somehow they're getting through it now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
WE HAVE BANK OF AMERICA AND THEY HAVE PUT A CFPB REQUIREMENT ON OUR BILL, WE ARE NOT BEHIND IN PAYMENTS, WE HAVE BEEN MAKEING OUR PAYMENTS FOR 14 YEARS. WE FILED A BANKRUBTCY 10 YEARS AGO BUT B of A WAS NOT PART OF THAT! NOW WE ALL OF A SUDEN HAVE A THREATENING STATEMENT ON OUR BILL THAT MAKES IT SOUND LIKE WE ARE BEING FORCLOSED ON, BUT I HAVE BEEN TOLD BY B of A WE ARE FINE IT WAS REQUIRED BY CFPB FOR THEM TO PUT THIS THREAT ON OUR BILL DUE TO AN OLD BANKRUPTCY! 
I AM STILL SUSPICIOUS ABOUT THIS AND IT ALMOST MADE ME HAVE ANOTHER XXXX SO I CALLED AND TALKED WITH B of A AND THEY SAID CFPD WONT LET THEM TAKE THIS OFF OUR MONTHLY STATEMENT, ARE THEY DOING THIS TO OTHERS OUT THERE OR ARE THEY JUST SELECTING PEOPLE THAT HAD TO TRY AND SAVE THEIR HOME BY FILING AGAINST CREDIT CARDS? I MY WIFE WILL HOLD B of A AND CFPD IF TTHIS SCTIONED OF STATEMENT IS NOT REMOVED AND I HAVE ANOTHER XXXX OR XXXX DUE TO THESE MALICIOUS THREATS! SOUNDS LIKE A CLASS ACTION IS IN ORDER, DO WE HAVE ANY LAWYERS OUT THERE?

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 2023-01-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: MD
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$9600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX Balance : {$12000.00} 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 XXXXXX/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 2022-05-19
Company: Experian Information Solutions Inc.
State: CA
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've contacted XXXX XXXX & they told me I've never missed a payment, yet the 3 Credit Bureaus refuses to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do the 3 Credit Bureaus 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

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
Consumer complaint received 2022-05-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Ever since I contacted Equifax to INQUIRE about any alerts on my credit report, I have been having issues obtaining credit and being prequalified for credit. I called to ask if there was any alerts and the representative added an alert to my file. I immediately told the representative that I Did Not want an alert added, I was just inquiring to see if there was before I applied for a loan. The alert was taken off as soon as I told him to remove it within seconds of placing it on my credit report. After waiting a couple of days per his instructions, I started to apply again for a car loan. I kept getting denied with letters stating due to the alert on file, we were not able to contact you. I called all credit bureaus to make sure that it was taken off my account and they assured me that it was and again, tried to apply for a loan and was getting the same letters. I was told that there was not any numbers added to call me at first. Then, when I called Equifax, they said that I couldnt add a number because technically, they removed the alerts from my report. I tried again and again for months with the same letter stating there was an alert on my credit file. I finally decided to add a initial fraud alert and made sure that my number was correct and added to all the credit bureaus. I begin applying again and I was still getting those same letters. When I call in to fraud departments Im told that there is an extended fraud alert on my account and that there is no number added to my file in order to contact me. I called Equifax multiple times trying to explain to them that it shows my credit file status on their website as Fraud Victim Extended Alert and they continue to tell me that there is no extended fraud alert on my file. I been told by Equifax that another department will work on it and make sure that it is completely removed and a year later, Im still getting the same issues with trying to apply for credit. It still shows the Extended fraud alert on account. I never even mailed in the documents stating that I was a fraud victim, ID, or police report to apply for the Extended Fraud Alert which is their process for adding this type of alert. I dont know how or why this was placed on my acccount but it needs to be removed along with everything on my report immediately because they are reporting false information on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: SYNCHRONY FINANCIAL
State: DE
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:
per 15 U.S.C Subsection 1611 Truth In Lending Act Requires creditors who deal with customers to make certain written disclosures concerning finance charges and related aspects of credit transactions ( including disclosing an annual percentage rate ) and comply with other mandates, and require advertisements to include certain disclosures. The Act had been amended on numerous occasions, adding requirements for credit cards and open-end credit ; for mortgage credit such as ability to repay standards, appraisal independence, and mortgage servicing ; and others. A number of laws amending and enforced under this Act are listed separately.

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 2022-05-21
Company: Experian Information Solutions Inc.
State: CA
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:
T

he credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate. the date last active is inaccurate, and the ldate last reported is inaccurate. this is grounds for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. states i have a right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. also the credit bureaus took more than 30 days to investigate

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 2021-11-29
Company: U.S. BANCORP
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX my fiance and I tried to cash our security deposit that was issued through US Bank and was denied because I asked too many questions. We started in the drive thru and after being asked for our ss # because our IDS wasn't enough decided to go inside. Once inside we were greeted by the branch manager XXXX XXXX and asked this time for our employers, whether ft or pt as well as the type of work. With have never been asked these personal questions, I was hesitant but did what she asked. I still processed to ask questions which made her no long want to cash our check. Us Bank located at XXXX XXXX XXXX XXXX XXXX wi XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Time Investment Corporation
State: NC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am writing to express my deep disappointment and frustration with the exorbitant interest rates that have been applied to my Time Finance loan. The recent statement I received has left me astounded by the high interest charges, which I find to be unreasonable and unexpected. 

When I initially entered into an agreement with Time Finance, I did so with the understanding that the interest rates would be fair and in line with industry standards. However, the current interest rate has far exceeded my expectations, making it increasingly challenging for me to manage my finances responsibly. 

I have always been a conscientious and diligent borrower, consistently making my payments on time and adhering to the terms and conditions of our agreement. Therefore, it is disheartening to see such high interest charges that are not aligned with the trust I have placed in Time Finance. 

I kindly request a review of my interest rates to bring them into a more reasonable and manageable range. I believe that fair treatment of customers, especially those who have demonstrated financial responsibility, is essential for maintaining a positive relationship between Time Finance and its clients. 

I am open to discussing this matter further and finding a resolution that benefits both parties. I hope that Time Finance values its customers ' financial well-being and will take steps to address this concern promptly. 

Thank you for your attention to this matter. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: MoneyLion 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 XXXX  Account Beginning in # 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 public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went into the XXXX XXXX Bank of America on XX/XX/23 at around XXXXXXXX XXXX to make a check deposit. It was a large amount- over {$190000.00} - from the sale of my home. I wasnt explained anything at the time of the deposit. I later received an email stating that there would be hold until XX/XX/23 at XXXX because there is check specific information indicates item may be returned. I understand that this is a large amount but why it is likely to be returned? I called Bank of America the next day and wasnt able to get the specific reason, which it seems is contrary to what law mandates. I also have not been given access to the {$5500.00} amount that should be released. The check is an XXXX and can be verified online. But I feel that I was discriminated against.

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