BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a Chase credit card after receiving a message in the mobile app that I ha

d already been approved. However, after submitting my details, I was not approved, and have been led to believe my application is still conditional on some variable, which is directly contradictory to the notion of pre-approval. We have received your request for a Chase credit card. We'll let you know our decision by U.S. mail. This could take up
to 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX XXXXXXXX In accordance with the fair credit reporting act the company name has violated my rights 15 u.s.c 1681 section 602a states I have the rights to privacy. 15 u.s.c 1681 604a.section 2 It also states a consumer reporting agency can not furnish a account with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My car was totaled on XX/XX/20. My insurance company ( XXXX  ) sent 3 checks to the loan company ( Ally ). The 1st was sent on XX/XX/XXXX, credited on XXXX ( for just over {$10000.00} ). the other 2 checks ( {$4000.00} and {$2400.00} ) were sent on XX/XX/20. They STILL have not been applied to the loan to close the account. I have called repeatedly, been told the checks are " pending '' and to check back because " they are having issues with a system update ''. Meanwhile I continue to make monthly payments ( which means they are collecting money over and above what is owed to them ) with no end in sight. No one can give me a time frame of when this might be resolved, and no one there ( at Ally ) seems to be able to explain why they haven't cleared the checks. I can understand system issues happen, but holding money ( all the while collecting more than what is owed ) and not being able to give a reasonable answer or time frame seems more than a little shady. If they are doing this to all their " total loss '' accounts it could involve THOUSANDS upon Thousands of dollars over and above what the loans were for. When I spoke to them again today ( XX/XX/XXXX ) I was told a supervisor would call me back in 24-72hrs, but that they wouldn't be any better able to answer my question or solve my problem.

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 2019-01-03
Company: BANK OF HAWAII CORPORATION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Today is XX/XX/XXXX. On XX/XX/XXXX I opened a checking account at Bank of Hawaii. On XX/XX/XXXX, I corrected the spelling of my name and gender to receive a new Debit card that was incorrect. On XX/XX/XXXX, I received a confirmation letter of address correction. 

My bank statements for social security deposit states, SSA TREAS XXXX. The ( XXXX ) area code XXXX XXXX California is not associated with my bank account and the posting of this credit to my account is fraudulent because the bank is in Hawaii and my deposits are not from California. 

Attached statements. 

My name is XXXX XXXX and this is my statement of intentional torts and organized crime associated with my income from USA Social Security.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting 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 no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my 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 explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: Flandreau Santee Sioux Tribe
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XX/XX/XXXX I took out a XXXX payday loan from Rushmore Financial. It was one of 6. out of control, I quickly agreed to have XXXX XXXX recommended to me, begin working for me to settle these payday loans. They told me toi send out an offcial letter stating i dont want them to cotninue to take out weekly payments from my bank. XXXX and the rest of them all got these letters. I did recieve 3 different agreement settlements working with XXXX XXXX, XXXX was one of them. I still have the agreement, the email just to confirm a few years later when they first started harrassing me, and my bank records that was set up to hold these fund, that I finished paying my debt to XXXX in XX/XX/XXXX. 

The past week, my aunt, my cousin who lives in another state and my father have recieved calls from someone claiming to be with the Department of XXXX XXXX, and threatened me that he had no choice but to push this form for wages of my XXXX social securitty to be garnished if I didn't pay the XXXX for this Rushmore Financial debt. As soon as I heard those words, I told him I already paid and go ahead and do whatever cause I have proof. He called me 3 more times, then at night, and now this morning I got a call claiming his name was XXXX XXXX a mediator from XXXX XXXX of sumner working on trying to keep XXXX 's lawyers from prosecuting me to the fullest extent, he claimed they were ready to move forward for identity theft, and fleeing from the law..he even started the conversation by verifying the last 4 of my social security number so innitially I was unsure. XXXX XXXX IS a mediator. He references rushmore lawyers wanting nothing more than toi take me to court, and I stop him to say Dude, i paid that. What do you need from me in order to clear this up? He says he needs my original account number so he can verifiy with XXXX and then close case.., .the thing is..the original account number is my social security, and i reazlized he already knows the last four, ,needless to say harrassing family members whom personal information. was NOT given out to them myself, pretending to be an official with XXXX XXXX i live in, and threatening serious legal allegations for a XXXX dollar loan i paid off in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: EQUIFAX, INC.
State: NY
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:
Good morning, I applied for a mortgage with XXXX XXXX. When they pulled my credit report, there is many credit card company mentionned many times. I would like to ask you if CFPB could help erase XXXX XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX in my credit report because they block me to get a loan. I used to pay XXXX XXXX XXXX XXXX dollars monthly to relieve my debts. 

I attached the 2 pages of the Credit Report and the letter I received from CFBP. 

XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary. I need to see all paperwork associated with this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, 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 am a victim of identity theft please remove this fraud inquiry from 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 explanation
Consumer complaint received 2020-03-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, Chase Credit Card Services processed a payment on a credit card for full statement balance, when a lower payment was set on my end with autopay. I had my bank reject this, at a fee. They never admitted fault, but I updated my account to use the correct balance and double checked my settings for my other credit card to make sure it was set up correctly. On XX/XX/XXXX, they did the same with the card I verified on the XXXX was set up correctly and charged the full amount. They are saying this is my fault when I know I logged in on the XXXX and verified it was set up correctly. They are refusing to admit fault and refuse to accept my bank fees I have incurred as a result of their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On the evening ofXX/XX/2018 my husband was the victim of a XXXX computer scam. He realized immediately that he was being scammed and shut off our computer and called our bank. He could see that funds were being transferred from some of our accounts into our primary account that he hadn't done himself or authorized. The charges were pending and the representative from our bank said we had to come into a branch the next morning to open a new account and they would work on stopping the pending transactions. The dollar amount was {$660.00} that was pending on our account. The next morning at XXXX XXXX we went to the bank and opened a new account and was assured that our money would be secured and in our account within 48hrs. The charges stayed pending on the account from XX/XX/XXXX until XX/XX/XXXX. The charges then cleared our account Monday XXXX XXXX. After numerous calls to the bank the funds were finally put back into our account on XX/XX/XXXX. Then on XX/XX/XXXX they sent an email stating they were pulling the funds back out on XX/XX/XXXX as they didn't consider this to be fraud. I called them on XX/XX/XXXX and the representative I spoke to said the letter/email was wrong as the case was still showing as pending and it would be at least 45 days from XX/XX/XXXX before a decision was made. The 45th day would be XX/XX/XXXX. So that day came and went and we have heard nothing until today XX/XX/XXXX when my husband was checking our accounts and noticed they debited the closed account the {$640.00} on XXXX XXXX.We received nothing stating they closed this case and were going to do this. My husband called and was transferred go 4 different representatives and got nowhere other then hearing it was a final decision and we need to make payments to cover this. We didn't receive an email, letter or phone call and would have never known if my husband hadn't noticed this on the old 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 2019-05-10
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I modified my mortgage back in XXXX and was told that I would have to pay back an amount when I sold or refinanced which I was ok with. I then refinanced my house in XX/XX/XXXX and the pay off sent to my mortgage lender by Wells Fargo wasn't including this amount. XXXX XXXX investigated it and discovered that well s Fargo mistakenly sent a short pay off. The title company included the 2nd lien ( HUD modification pay off ) in their request. 

Wells Fargo has been rude when I called and haven't been helpful at all. The treasury Dept. has added additional fees to the pay off because the lien wasn't paid when I refinanced. The additional fees are extreme and I feel Wells Fargo is responsible for these fees because they made a mistake when they sent the pay off. In addition, my credit has plummeted because the collection has been reported. I'm wanting to list my house and buy a new one but now my credit is low due to this collection. Not to mention the fees from the Treasury department are in excess of {$15000.00}. Like many people, I depended on others in a specialized area to do their job and I really was unaware of the error in the payoff. I really need someone to help me because I'm not financially literate when it comes to these type of situations.I 'm selling my home before I really want to because I'm concerned about this lien.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received correspondence from XXXX XXXX XXXX XXXX that I owed a former landlord for unpaid rent. The amount was claimed to be from a residency that ended in XXXX, XXXX. I had sued the former landlord in XXXX for negligence that occurred during that tenancy. This case was settled in mid XXXX and I recovered the settlement from the former landlord. The former landlord, in addition to paying me, also signed a mutual release of liability. I continued to receive correspondence concerning a now non-existent debt. XXXX XXXX never confirmed the validity of the claimed debt and has continuously and intentionally inflicted serious and grievous damage to my credit thereby damaging my ability to secure credit and causing me to pay dramatically increased interest rates for the credit I did receive. All of the actions and failures of XXXX XXXX are direct and unambiguous violations of the Federal Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
In late 2019, Chase Bank has begun a habit of charging {$34.00} and returning an item, then when it is auto returned by the vendor Chase will pay the same item into overdraft causing a total of {$68.00} fees to the consumer. Whereas in the past the item was paid into overdraft with one fee at its initial presentation to the banking institution. This is now considered as a predatory behavior to the consumer. Statements are attached. Please reference XXXX XXXX and XXXX XXXX transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-15
Company: ID Analytics, 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: Personal information incorrect

Complaint:
I have a few addresses that is not correctly showing on my credit file that needs to beupdated. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. PLEASEDELETE THE FOLLOWING ADDRESSES:XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX FL,XXXX XXXX XXXX XXXX XXXXXXXX FL, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX FL, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL,XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX I have not lived at any of these addresses listed on my credit report I even noticed that a few actually belong to my adult children. However, I would like them removed because they are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Credit Control, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had XXXX XXXX done at my doctors office by a third party. The XXXX  company was paid in full by my insurance company except for {$25.00} that my insurance company said was not covered for XXXX XXXX XXXX I am currently appealing the {$25.00} charge as my XXXX is covered 100 % by insurance. After being paid by my insurance company the XXXX company redid the bill and billed me {$40.00}, which did not include the {$25.00} being appealed. I sent the XXXX  company copies of the insurance claim and explanation of benefits several times. I also contacted my insurance company and my doctors office who both said this was illegal and they would get it straightened out. I guess not, because the XXXX  company turned the erroneous bill of {$40.00} over to collections

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 2022-03-19
Company: Navient Solutions, LLC.
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:
I, XXXX XXXX, am disputing fraudulent activity on all reports. I have no knowledge of these accounts. I've been reaching out for a while now. I am a victim of identity theft. I did find out that it was for a school called XXXX XXXX XXXX. XXXX XXXX has been sued for violating the law by doing illegal things to encourage students to attend their school, and that I never would borrow any money to pay for XXXX XXXX courses knowing they doing illegal things. I never attended this school. This school has lost accreditation for fraudulent activities. They were selling personal information. I've contacted Navient who is currently reporting on my report. They are unable to provide me proof of any loan documents pertaining to this. The loan amount is totaled up to {$60000.00}. I asked that this matter gets resolved immediately with your help as I've stated to them as well. This is hindering me from actually bettering myself. This is fraudulent and I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of the company 's authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again I have no account with student loans, nor am I a customer, nor have I entered into a contract and also

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
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:
All your information is incorrect, Inaccurate, or false.

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 2023-06-23
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
American Express keeps trying to contact me all hours of the day mostly very early am. It upsets me because they use numbers to where I have close family or friends or where my kids are in college and it scares me and I answer and there is always a delayed response which scares me to find out it is them. Why don't they have to call on XXXX # and it identifies the company name? Should be mandatory!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Navient Solutions, LLC.
State: OH
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:
Hello, Navient is reporting 11 months past due for student loan accounts. The months for past due are listed from XX/XX/XXXX thru XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX. 

However, I informed Navient of deferment requests multiple times. My first notification occurred in XX/XX/XXXX, requesting deferment due to economic hardship. Their company was notified and provided documentation of my financial situation. I have lived in poverty for my entire life. My income is typically {$12000.00} per year. My XXXX son prevents me from working full time. 

To resolve the problem, I have contacted Navient and provided proof of my economic hardships. As proof, a statement showing government aid for food stamps was provided from XX/XX/XXXX thru XX/XX/XXXX. I have been on government assistance for food most of my entire adult life. In addition, I have filed disputes with the credit bureau agencies but have not been successful.

Company response to consumer: Closed with explanation