BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My Complaint concerns JPMorgan Chase Bank, N.A. and a Savings account of mine that they closed with no warning. The amount that JP Morgan kept totals to {$5.00} approximately over the period of XX/XX/XXXX to XX/XX/XXXX. I originally had {$6.00} in this savings account for a long time. Unrelated to the issue I am writing about, is that my Chase accounts became frozen for inactivity in XXXX so I was asked to visit a branch to discuss them. Upon my visit in early XX/XX/XXXX, a Chase Bank branch associate advised me just to transfer {$1.00} from one to the other to reactivate them. So I transferred {$1.00} from the small savings account that had {$6.00} to a larger checking account that had {$17000.00} to reactivate them. This was done on XX/XX/XXXX. Then without my knowledge on XX/XX/XXXX Chase withdrew {$5.00} in fees from the small savings account to reduce it to {$0.00} then on XX/XX/XXXX withdrew {$0.00} to close the account. I then went a 2nd time to visit Chase in XXXX to discuss what happened with the small savings account and they told me they had a change in policy and fees would now be charged to have small accounts open. Please keep in mind I currently have a Chase checking account with {$17000.00} in it that they are not giving me credit for to forgo these Monthly Service fees. Another issue I have is that when I visited my local Chase Branch ( XXXX XXXX XXXX XXXX in early XX/XX/XXXX to unfreeze my accounts they never warned me about the policy change that would eventually deplete my Savings account with {$5.00}. Upon my branch visit in XXXX, I asked them to refund me the {$5.00} and they refused. I feel this is unfair and that I should have my {$5.00} back. If they do not, I will simply close my account for {$17000.00} for good and no longer do business with Chase again. I know my {$5.00} amount is small but I wonder how many other customers Chase has taken {$5.00} a month from by this change in practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: GA
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:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items that resulted due to Identity Theft. Please find the required documents to assist in the removing of the erroneous items which are being posted to my report. Here are the following fraudulent items : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
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 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 Balance : {$380.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$15000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$380.00}, 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 explanation
Consumer complaint received 2020-12-07
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WA
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, BMO HARRIS BK N A add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
All three major credit bureaus showing incorrect credit history and inquiries on my credit file. I have disputed multiple times to all three bureaus and no respond or either correction from XXXX and XXXX. 

Experian did corrected few items from my report but no action from XXXX and XXXX. 

There is almost 100 point credit score difference between Experian and 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 2023-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
All three major credit bureaus showing incorrect credit history and inquiries on my credit file. I have disputed multiple times to all three bureaus and no respond or either correction from XXXX and Equifax. 

XXXX did corrected few items from my report but no action from XXXX and Equifax. 

There is almost 100 point credit score difference between XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company  Ditech  changed the monthly escrow amount during my  XXXX    XXXX   statement and due to business travel, I missed their letter informing of the increase of {$29.00}. I have auto pay being set up with my bank which did payment on time but short of {$29.00 } ( escrow increase ).  This resulted in a late fee of {$33.00}. I called on  XXXX  to asked if the fee could be voided which they refused. I explained that considering my escrow balance is positive of {$450.00} and that they received my payment for the principal, the interest and most of the escrow monthly fee, they should not consider this a missed payment and therefore should not trigger a fee for this type/scale of error. I think this is unethical practice from a loan servicer and would like to file a formal complain.   My loan number is  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
All three major credit bureaus showing incorrect credit history and inquiries on my credit file. I have disputed multiple times to all three bureaus and no respond or either correction from Transunion and XXXX. 

XXXX did corrected few items from my report but no action from Transunion and XXXX. 

There is almost XXXX point credit score difference between XXXX and Transunion.

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 2023-08-07
Company: EQUIFAX, INC.
State: GA
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:
Someone stole my ID and social security number and used it without my consent and knowledge. The person also gained a rental and car lease in my name. A credit card and insurance account was opened in my name as well. I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA & # XXXX ; XXXX On XX/XX/2022, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-17
Company: CL Holdings 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX incorrectly billed me for cell phone services and refused to correct the bill in XX/XX/XXXX. 

I refused to pay the ridiculous sum and they would not correct it because the account was already in collections because I was out of the country. In XX/XX/XXXX They then made the first attempts to collect the debt in XX/XX/XXXX and later sold the debt to debt collection agencies. 

The debt collection agency XXXX XXXX XXXX has RE-AGED the debt to show that it originated on XX/XX/XXXX nearly 4 years after the original date of collection. 

This is a bold violation of the F.C.R.A, similar companies have been fined {>= $1,000,000} for such violations. 


XXXX XXXX XXXX I have made every attempt to correct the debt with XXXX XXXX as well as the collection agencies that have held the debt they have expressly refused for 6 years!! 

Sense they have been unable to collect on the illegitimate debt they have decided to illegally re-age the debt in hopes of either passing it off to another agency, reporting it on their balance sheet or just maliciously harming my credit. 

I have disputed the debt on my credit report multiple times over a 6 year period, as well as notified the agencies in writing as well as by phone. 

The violation of my rights by these corporate thugs will no longer be ignored. I intend to exercise my rights to the fullest extent of the law. 

This is beyond disrespectful and is IN FACT CRIMINAL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05
Company: JPMORGAN CHASE & CO.
State: AZ
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:
JP Morgan  Chase bank reversed fraud on my account. Below is the letter they sent to me. I have never shopped at  XXXX . I had my bag stolen that had multiple credit cards and my passport and DL in it.  XXXX  immediately stoped any charges because they thought there was fra ud. Chase however did not. I am disputing a charge of someone shopping at   XXXX  in North Carolina. Below is what they sent to me.     Dear  XXXX   XXXX   XXXX , Thank you for contacting us about the following transaction (  s )  : Date posted :    XX/XX/2017   A mount : {$260.00} During our research we found that the merchant provided the product or service you were charged for. That means the charge is valid, so we will reverse the temporary credit we issued to your account. We consider this case closed.     Please contact us anytime with questions or concerns. We are here to help and are committed to providing you excellent service.     If you require further assistance, you  may  contact us at  XXXX   International c ustomers please call  XXXX . Our Customer Claims Analysts are availabl e 24  hours a day, 7 days a week.     Thanks for banking with  Chase Customer Claims Specialist  Claims Department Number  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-05
Company: Santander Consumer USA Holdings 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: Investigation took more than 30 days

Complaint:
I have disputed this inaccurate information to Santander consumer USA. With all three bureaus XXXX, XXXX and XXXX. I have added an attachments from all three bureaus showing different information on my credit reports. Santander consumer USA have inaccurate updated information with the Date being reaging the account to ( XX/XX/2021 ) this account is over 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023 my taxes were electronically deposited. {$43000.00} I went to send a wire transfer to a friend of the family who is also our tax agent for my mother of {$16000.00} to her personal bank. The teller XXXX at US Bank XXXX XXXX XXXX asked what was the money for and an explanation for the tax refund while asking personal questions about myself in a casual conversation. He marked down that my refund was a payment from my publishers by accident. The misinformation got the account closed. I tired on numerous occasions to resolve it, was even told by an agent I was being investigated by the IRS, until ultimately decided to wait until after tax season to contact IRS. They responded in XXXX stated they didnt know why US bank was withholding the funds. I emailed that to a bank branch XXXX and she requested more information from the prevention department. After ignoring me for 2 months, I speak with XXXX at the XXXX XXXX location and she explains that they will not return it and to call the IRS to get them to request a return. I asked for documentation she refused, told me to stop calling and hung up in my face. I just want my refund.

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 2023-01-03
Company: Experian Information Solutions Inc.
State: MD
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 accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$2900.00} XXXX XXXX  XXXX Balance : {$2800.00}

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 2023-09-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The issue involves Chase XXXX card. 

On my XXXX statement it included the amount of {$10000.00} as the XXXX XXXX XXXX. The Payment due date is XX/XX/XXXX. I paid {$11000.00} on XX/XX/XXXX. 

On My XXXX statement I was still charged interest of {$130.00}. 

Talking to Chase customer service they explained because I didn't pay the entire balance of my XXXX statement. When I asked then why would my XXXX statement specifically mention one number to avoid paying interest when its not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: AL
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:
On XX/XX/20XXXX Service Loans of XXXX Alabama pulled my credit report without my authorization.

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 2023-08-22
Company: TransferWise Ltd
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX 3 Transaction were attempted with Wise-LTD TRNWISE XXXX XXXX XXXX with Transaction ID XXXX XXXX with Transaction ID XXXX XXXX with Transaction ID XXXX I Reached out to their Customer Service at XXXX XXXX XXXX XXXX XXXX  Thier Email is Appeals @ wise.com I was Told that I would Recieve My Funds After Cancelling a International Money Transfer ; due to Frustrations with the Service, My account was Subsequently closed and then i was out XXXX XXXX  i Reached out to XXXX  and explained My Parameters. 

My appeal was Closed without any Explanation and The Customer Service Department had a Hand in Covering up This Instance of Fraud. 


I am a Retired XXXX  and I was Sending Money to My Family Back in XXXX and I am Astonished with the Fraudulent activity that occurred to me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
Discover and all 3 credit bureaus XXXX XXXX XXXX and XXXX XXXX have been and are reporting inaccurate information on my credit report. Discover and all 3 credit bureaus have been and are reporting hard inquiries without verifiable proofs of my consents. Discover and all 3 credit bureaus have been and are reporting those hard inquiries as inaccurate information without verifiable proofs. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to all 3 credit bureaus and Discover asking about the permissible purposes of those hard inquiries and verifiable proofs of the inaccurate information. I waited more than 30 days to have the verifiable proofs from all 3 credit bureaus and Discover of their inaccurate information and I didnt receive them from all of them. Since neither all 3 credit bureaus nor Discover have verifiable proofs of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiries  should be deleted immediately. Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. XXXX certified mail tracking number sent to XX/XX/XXXX on XXXX/XXXX/XXXX : XXXX. Certified mail tracking number sent to DISCOVER FINANCIAL SERVI on XXXX/XXXX/XXXX : XXXX. The following hard inquiries which should be deleted immediately are : Creditor Name : DISCOVER FINANCIAL SVCS Date : XXXX/XXXX/XXXX Creditor Name : DISCOVER FINANCIAL SVCS Date : XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: Consumer Portfolio Services, Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was in a major car accident on XX/XX/23. I was unaware of my next steps as I was hospitalized and unable to work. I reached out to consumer portfolio and they instructed me to fill out a form and await a decision. The form was completed and during that time the insurance company sent checks to cover the total loss of the vehicle along with Gap insurance to pay the remaining portion. During this time the company received checks for about {$17000.00}, yet they reported my credit negatively because of the interest that had accrued during that time. I was never told that I needed to make payments although I called the company to inquire about my next steps.

Company response to consumer: Closed with explanation