BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: Velocity Portfolio Group
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
in 2016 i took a loan from XXXX XXXX on the internet and i was paying {$600.00} + per month. when i realized nothing was happening to the base amount i called XXXX XXXX to find out where was my signature was and where the interest rate was. They told me that my signature was online and the interest rate was 34+ %. I told XXXX XXXX that anything over 25 % was criminal usury and i was not paying anymore. They said okay and charged off the debt. 

I thought that this issue was resolved, however a company name Velocity brought the loan and sued me in civil court for repayment of this debt. At the first court hearing i explained that 34+ % was criminal usury and i was not paying it. Their attorney told me that it depended on what state the original lender was located. This did not sound right to me so i researched usury laws for all states. No state said that anything above 25 % was not criminal usury. 

The next time i went to court i told them the same thing in paragraph 2 and also all of my income is judgement proof. when they heard this they threatened to put a lean on my house. i didn't remember signing anything offering my house as collateral. I continue to research criminal usury and i called and payed for an attorney in California, a state that i thought was where the original lender was located. The lawyer XXXX XXXX, told me in no uncertain terms that the law applies to the state where the barrower ( me ) lives. 

In view of the fact that i received the run around from two Velocity attorneys who gave me bogus information which counted my research i emailed the judge who was hearing my civil case because he was in civil court and i felt he possibly was not familiar with criminal usury laws. i was warned on two occasions not to contact the judge directly with out informing Velocity attorneys.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: FORD MOTOR CREDIT CO.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I applied for an auto loan with ford.com I added all of my information and they ran my credit and approved me for the loan but didnt provide any details on the rate or payments. I called for support to get this information and The agent could not provide me the rate for the loan or the payment amount after applying and receiving approval online. Its a scam to offer approvals for loans online but not inform the customer of the rate or payment and give them to go to the dealership to negotiate a rate. It should be criminal if it isnt already. Very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Hello my name is XXXX XXXX XXXX I am having problems with Items appearing on my credit report which I have filed a police report indicating this problem. I am also having problems with inconsistency with all three credit bureaus concerning slow credit. I feel myself and my husband have been targeted as minorities and discriminated against. No matter what we do it our credit is slow to move. It took so much for us to buy our house in XXXX, we did what credit experts said to do and still no movement. Actually, it goes back way in XXXX our credit has consistently stayed low. This has had a tremendous negative effect on our ability to obtain credit for our business which we badly needed especially during the pandemic. If not for our XXXX XXXX we would have lost everything. Please look into all three credit bureaus ( Equifax, XXXX and XXXX ) for myself and husband XXXX XXXX. 
XXXX XXXX XXXX ss # XXXX XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I used my Chase credit card and the charge was declined. I immediately called Chase to ask why this happened and they said they have no info to give me over the phone and that I should expect to receive a letter from Chase. Thereafter, I received a letter dated XX/XX/XXXX20 stating only " We have decided to close your accounts. After a recent review of your accounts, we have decided to end our relationship with you. '' I called the number on the letter XXXX to inquire about the account and reached the Compliance Dept. They recited to me " we reviewed your account and determined that we can not maintain your account ; and as a result, made a final decision to close your account. '' That was it!! The Chase representative said he had no other details on our account and can not direct me to any other depts at Chase for me to speak to. Chase unilaterally closed our bank accounts without giving an explanation. Also, when I went to another bank to open a new account, that Bank opened a new account and closed my account the next day. Apparently, Chase closed our account and presumably reported the closure on check reporting companies so that we can not bank elsewhere. Also, I tried to open a new credit card and got denied with a credit score of XXXX?! I also had high balances in both my personal checking and savings accounts with no overdrafts, etc. I need ANSWERS!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the date of XX/XX/XXXX  I was approved for a provisional credit ATM claim of {$200.00}, this process involved me filing an ATM claim a week prior, but on the same day it happened, which is that I counted the money three times over and had the exact amount written down, but after depositing the amount I realized it was {$200.00} short and was shocked because since this ATM can not handle more than 20 items at once I figured it would hand me back the money or send me a text of the deposited amount afterwards but neither of which took place, so I took action and called the claims department at wells fargo stating there has been an error with their machine and that there were multiple previous complaints on this machine from neighbors and this was my first time experiencing trouble that involved it not counting money correctly, I was promptly informed that they would investigate and handed me a provisional claim of {$200.00}, at first this kept me satisfied and happy with the service, but not even 2 months later they had did a reversal without informing me as to why such action was done. I later called that day and asked them to provide me with documentation for proof to why the claim was allowed to be closed and reversed. Before this reversal even took place the ATM machine was promptly replaced shortly after my ATM claim was given, giving me comfort that these troubles would not occur again for me or anyone making a deposit, but after explaining this to the operator and my concerns she was rude and said there was nothing to be done and the ATM machine being replaced was a mere coincidence, hearing this short response in a resentful tone was highly unprofessional of her and her overall demeanor was still rash in further stating that there was proof already sent out to me. It has been well over one month with no proof received, so I reached out to my neighbor who suggested I file a complaint with CFPB and get this sorted out since the bank departments are reckless in talking with clients who have been a customer with them for a number of years.

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 2023-10-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My dad passed away XX/XX/XXXX. Insurance company cxld Ins and sent letter to them XX/XX/XXXX. Chase notified me XX/XX/XXXX that there was no insurance on house from XXXX. As soon as I was notified I got insurance. Chase is now backdating coverage and charging me for something I was never notified of. They backdated insurance policy to XX/XX/XXXX. They did this in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a Wells Fargo secured credit card on XX/XX/2016 with a {$300.00} payment from my checking account. 

The credit card was open for 6 days before I got a notice in the mail and a check for {$300.00} from Wells Fargo notifying me that I had closed the credit card account. I was never notified that the account was being closed, and I didn't authorize Wells Fargo to close the account. 

I contacted the original banker and the bank immediately, and have filed numerous complaints with them over the years. Each time, they take the information, send it to the 'executive branch ' with a claim number, and I never get the issue resolved. 

Once again, today, I contacted the number listed as my 'creditor, ' on my credit report for Wells Fargo XXXX Their credit department has no record of this credit card, nor did the customer advocate I spoke with. 

It is listed as 'customer closed account, ' in my credit reports, with the initial 8 numbers followed by XXXX of the account. My credit report also has the date it was opened and closed, and lists Wells Fargo as the creditor. I have also disputed this through XXXX and XXXX today. I have records of the {$300.00} being taken by the bank XX/XX/2016 and the check deposited back into my account a couple of months later as well.

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 2023-10-11
Company: WELLS FARGO & COMPANY
State: TX
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/23 I received a phishing text supposedly from the XXXX about a package that needed to be redelivered ( I was waiting on something ) and there was a small fee for redelivery ) and not realizing it was phishing, entered my debit card information. 

Later that day, once I realized it was phishing, I reported my card number as compromised and had a new card sent. No unauthorized charges were made, so I thought I was safe. 

Then on XX/XX/23, XXXX unauthorized charges were taken of XXXX each, because the new card information was entered into the Wells Fargo digital wallet. 

I contacted Wells Fargo to report the charges as not something I authorized. and they then cancelled the replacement card ( which I had not received ) and sent another card ( the one I have now ) and began the process to investigate and get my money back. 

However, a few weeks later I received a letter stating that the claim was closed and I would not get my money reimbursed. I then contacted the claims department to dispute this, and try to give more information about what happened. They denied to reimburse me and escalated it to XXXX XXXX XXXX XXXX. 

I was contacted by an Escalations representative and again explained things. A week later I am told that I am not getting reimbursed as the claims department decision that " it looks like the charges were authorized '' is correct and there is nothing I can do to dispute this further.

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 2021-01-13
Company: EQUIFAX, INC.
State: TN
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2023 I began to purchase some airline tickets from XXXX XXXX. At check out an advertisement to apply for a Chase credit card stating could use for the purchase to receive a {$200.00} credit after {$500.00} purchase. I applied for the credit card knowing I have excellent credit and background. I also applied with the absolute intent of using it for airline purchase. After approval of credit card I was notified that I could not use the card for this purchase and was redirected back to the XXXX checkout and was required to use a completely different card of my own. I called Chase to see what they can do and was told there was nothing that can be done. I stated there were only XXXX options in my opinion. Give me the information needed to purchase the tickets as advertised or make it as if this debacle never happened. Was told ( rudely by one ) there is nothing can be done but cancel the card because I would have needed the physical card to make the purchase. Everything about the scenario came across as a bait and switch. I then asked the card to be cancelled and notify credit bureaus to rescind the hard pulls. Was told that this could not be done as well because I applied. I responded I applied under pretense of using card after approval ( as advertised ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I sent a letter regarding an accurate and unknown things on my credit report to this day over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 35 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XX/XX/XXXXdata breach and may have gotten into hands of the wrong person.

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 2023-11-02
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
This credit card was applied for without my knowledge, It seems my identity has now been compromised/ stolen. I am not sure where it was stolen from. I want the impersonator to prosecuted to the fullest extent of the law, which is why i asked the company to provide me the Name, Phone #, Address, and IP Address the electronic Credit application was submitted from so I can file a police report with the correct information to press charges against this individual. The company declined to provide that information to me, i am not satisfied with that response as it is my identity that has been compromised with out my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: United Collection Bureau, 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 submitted a dispute with UNITED COLLECTION on XX/XX/23. complaint ID- XXXX. " This was their response We have mailed a written response to the complaint received through the CFPB portal directly to the party whose identifying information matches the identifying information of the complainant. Should you require any further information, please contact us. " However they did not due this and instead reported to the credit burrows that the account was closed. This account was not closed or paid as it was never proven by UCB to be mine by the information i requested. 

This collection needs to be corrected as removed NOT closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, 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 listed below : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX MTR XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed : {$5100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: SANTANDER HOLDINGS USA, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had came to XXXX XXXX XXXX looking to finance a vehicle in XX/XX/2022. I was approved and financed through SANTANDER CONSUMER USA HOLDINGS INC. for {$34000.00}. I put down {$2500.00} for a down payment, and was able to drive away with the vehicle. 2 days later the vehicle was having mechanical issues which I informed the car lot XXXX XXXX XXXX. XXXX XXXX XXXXXXXX instructed me to bring the vehicle back which i did that same day I called ( XX/XX/2022 ) and they took the car back saying they will fix it but it has been a over year since then they have had possession of the vehicle. When I check my credit report I'm being penalized and charged for a vehicle I do not possess, the car lot XXXX XXXX XXXX has had possession of the vehicle the entire time and hasn't reached back out or contacted the finance company and informed them of the situation. So my credit is being affected by this situation which is completely absurd and is a violation to my rights according to the Fair Credit Act. I did contact Santander Finance Company and informed them of the situation multiple times which I've documented and made sure they documented as well. I've also filed a complaint with the Federal Trade Commission as well as the Illinois State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: MOUNTAIN WEST FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried vigorously to remove the Private Mortgage Insurance  payment with my lender, Mountain West Financial Inc, but have no results due to the lack of help and attention to my request since XXXX of 2019 to the present. I was forced to apply for a second time due to the fact that Mountain West Financial Inc during the time my first application was been processed changed the servicing of my loan from one department to another and my application was lost. Again I had no other choice but to apply again and pay once again for a new appraisal and BPO. Now that the appraisal and BPO was completed, the appraisal came in at {$460000.00} and my mortgage balance is at {$350000.00}. That puts me at 76 % LTV, under XXXX XXXX Guidelines, once you've built equity of 20 % in your home, you can cancel your PMI and remove that expense from your monthly payment. PMI will automatically terminate on the date when your principal balance is scheduled to reach 78 % of the original value of your home, again Im at 76 %. The way Mountain West Financial Inc has handled this matter is unacceptable, fraudulent, irresponsible, frustrating and I have no other choice but to seek help from your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am reaching out because there is a ticket on my XXXX XXXX report that needs to be disputed and removed. I was just informed by my insurance company today, XX/XX/XXXX, that there was a ticket, private ticket on private property reported to my report with XXXX XXXX, for XX/XX/XXXX. I was never informed there was a ticket by XXXX XXXX, I was never ticketed on public or private property, and this is inaccurate information. 

Regarding USAA. I am highly upset with them because they never informed me that they were raising my rates and they did this last month. I initially thought this was a late fee, but I called and they told me they raised my rates about a ticket that should have never been reported and is inaccurate in the first place. I was never informed by USAA that they were raising my rates or anything. I am very dissatisfied by this. I feel like my rights as a consumer were violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation