BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-26
Company: JPMORGAN CHASE & CO.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been a customer with chase bank for almost 4 years. Before my medical emergency, I had never missed a payment with them or any other company. I was removed from work in XXXX for XXXX XXXX. I didn't have any income at all while I was out. I had just purchased my first home right before I got hurt so I had a new mortgage and utility bills for myself and two families. I called chase as soon as I knew I wasn't going to be working. They said over and over it was okay we could work it out when I got back to work. Then a month in they started putting me as delinquent. I tried to pay but you can't get something from nothing. All of my money was going to heat and electric and food. I even wiped my retirement account just to keep the house afloat. I contacted chase again and asked them to just hold on for two months until I was back at work. They said okay that's fine to take care of your health. Then the next month they closed my accounts. I'm drowning in it. I can't believe after years of an excellent business relationship this multi-million dollar company couldn't give me a three-month stay. I'm back to work now, one month behind on my mortgage and hundreds of dollars in fees later from chase. But I'm chipping away at it and they just keep threatening my credit score and sending it to collections if I don't pay them an immediate sum thats more than Ill make in a month! I just need help. I feel like they are bullying me around. Now I have mountains of interest because I was hurt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: Experian Information Solutions Inc.
State: WA
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:
In XXXX, XX/XX/XXXX, and XX/XX/XXXX I sent requests to Experian to investigate late payments reporting on my report ( XXXX account ). There are two late payments reporting in XXXX and XX/XX/XXXX. This is an up to date account that should not be reporting any late payments. After reaching out to Experian three times they only conducted ONE investigation. The outcome was incorrect. They are not reporting accurate information nor are they responding to disputes in a timely or efficient manner.

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 2023-05-13
Company: Experian Information Solutions Inc.
State: AR
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:
asked credit bureau to investigate these accounts they stated that they did and accounts came back verifiable. I also did an investigation and found inaccurate information. In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A states I have the 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 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 2021-08-24
Company: Synovus Bank
State: SC
Product: Credit card or prepaid 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:
The current card expired on XX/XX/20 and First Progress never sent another card. They say they sent another one out over 3 weeks ago and I have yet to receive it. I called and they said they would send another one out but it takes up to 2 weeks. This card is secured card and they are holding my funds and I can not use them due to their incompetence. They are making interest on my money but I cant access in accordance within the user agreement. Then if I want to speak to a manager, they refuse and give ma a fax number to send my issue, The refuse to overnight a new card. When I said to close my account hey said it takes 10 weeks to receive the check, all the while they are making interest on MY money. If I want it sooner, I would have to request it by fax. Since past experience has shown they rarely follow through and do as they promise I do not expect them to do what they said. I have had it with them. I need those funds now as I am going through XXXX treatments and need that money for my care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: JPMORGAN CHASE & CO.
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX I placed an order with XXXX XXXX XXXX XXXX  using a coupon. Somehow someway, it made my entire transaction free, I was only asked to enter my debit card number to pay for shipping. I entered my information and authorized them to debit my Chase account in the amount of XXXX. 
On XX/XX/XXXX I got a notification from my bank ( Chase ), letting me know I made a purchase totalling XXXX which I didn't. I immediately logged in to find out what it was, and it was a charge from XXXX XXXX XXXX XXXX. I went back to look at my confirmation email and that was not the amount I agreed to pay. I contacted Chase Immediately to have the charge reversed, I contacted XXXX XXXX XXXX XXXX ( total bust ). Chased reversed the transaction and told me they would contact me if they needed more information. They contacted me and asked me to call, which I did, I sent the email I received from XXXX XXXX XXXX XXXX showing the amount I was supposed to pay, which was XXXX. They told me I would be updated and contacted if they needed something else from me. 
XXXX XXXX I noticed the money was reversed to XXXX XXXX XXXX XXXXXXXX XXXX I contacted Chase again and spoke to a XXXX for the Claims department. He told me that the reason the charge was reversed and my claimed closes, is because during the investigation, they found the purchase was made in store, therefore I had authorized the XXXX transaction. I reassured him the transaction was made online, and that i didnt authorized that charge, he didn't believe me. I asked him to review the faxes I sent. He finally said he was requesting to reopen the claim.he told me it would take 3 days to do so. 
XXXX XXXX Contacted Chase yet again to check on the status of the claim, I was told by another supervisor that they would not be re-opening my claim, because I didn't have proof I used a coupon. I was never told that before, the only thing I was asked to provide was the email conformation showing the amount I was supposed to be charged. I am a single mother on a fixed income, I don't have the extra money for unauthorized transactions. Chase is on the wrong and they are not willing to admit their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Capital One decided that I did not qualify for PART of the 2nd PPP disbursement I received. While they are saying I didnt qualify for the funds, they did release over {$1600.00} to me out of the funds. I do not understand how my business could qualify for some but not all. I have been attempting to resolve this issue since XX/XX/XXXX. Capital One advised me in XX/XX/XXXX that the funds were finally being sent back to where they came from. However, as of this day, no lenders or other companys/organizations/agencies involved in my PPP loan approval and funding have received these funds. Capital one has refused to give me documentation as to where the funds went, and it only shows as a deduction from my account stating capital one 360. As of today, I am still responsible for funds that I never received, because capital one has continued to handle this situation with horrible processes & customer service. Whenever I contact the company to discuss this issue, I am sent to a voicemail and never called back. This issue has been going on since XX/XX/XXXX & needs to be resolved immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I already reached out to Transunion and to XXXXXXXX XXXX  and notify them of their error posting of information on myreport. I was never late on these accounts. I have been monitoring my credit report for anychanges since my several dispute letters, but I am yet to see the correction that I asked forand desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of thepayment history but I did not receive what I asked and these violations still persist on mycredit 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 2023-05-13
Company: Experian Information Solutions Inc.
State: LA
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:
Experian has failed to verify information I dont feel a proper investigation was done and investigation was opened XX/XX/XXXX and its now complete and today is XX/XX/XXXX ask for validation who verified that no one can give me that information I am requesting now to file a formal complaint about Experian not fully doing a investigations and not providing the information on who validated and verified this account the payment his and date valves are all inconsistent information across the bureaus which does not meet the FCRA laws which by law requires them to remove this account permanently I am disputed the inaccuracy multiple times and nothing was done as you can see there are results within three days from the previous dispute, so how was the investigation properly done XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXX/XX/XXXX FCRA violation 15 usc 1681 I am currently in the market to buy a home and was reviewing my credit report & found some errors in the reporting of ( XXXX XXXX open XX/XX/XXXX ) You are reporting information about me that is inaccurate.All three credit bureaus are reporting different high balances.on this account I. As you are aware there can only be one high balance on an account. This account has not been properly verified.Delete the following account immediately for failing to comply with the FCRA ( XXXX XXXX  open XX/XX/XXXX ) Thank you for your time, See attachment

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 2022-07-10
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purchased the car ( XXXX XXXX XXXX ) in XX/XX/XXXX. The dealer 's website advertised/implied a 3month/3000 mile warranty on all vehicles or 6/6000 for veterans ( which I am ). I owned the vehicle for 6 weeks and 2800miles before a major mechanical failure occurred. The motor was blown and the repair estimates ranged from XXXX to XXXX to replace. I contacted the dealer and they stated that the car was purchased as is with no warranty, they could only offer to provide a used motor at my cost if I needed the assistance in locating one. After several weeks of trying to work with the dealer and repair facility for a solution, I notified the finance company ( Ally Financial ) of the situation. The notice was made before my next payment was due. I explained to them the situation and asked if they could help as I did not want to return the vehicle or have a repossession. Ultimately, they did not offer any solutions leaving me to be forced to purchase another vehicle so that I could continue to work and provide for my family. Afterwards they still continued to call and try to collect the payments, even though I asked them to pick up the vehicle unless they had a way to assist me. Finally, almost 8 weeks later, they picked it up from the service facility. Since then, I have only received a confirmation ( 1st week of XXXX ) that they had possession of the vehicle, but I have had no correspondence or phone calls from them since then. They have since reported derogatory information on my credit bureaus without notifying me of any options to resolve the account. I feel as though the dealer and the finance institution left me in a disparaging situation, by not providing me any options or solutions to my concerns. I clearly stated to the staff at Ally and the manager of the dealership that I did not want to give up the car or, default on the loan, but neither offered any reasonable assistance. I really need assistance in resolving this matter.

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 2016-03-21
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
My family wants to build a home so we engaged US Bank to get a construction loan. 
we got approved for $ XXXX and later upgraded to $ XXXX as the scope of the house cost increased. it is taking more time than I expected ( my first built home ) because of County regulations and issues with the general contractor and house seller. 
Despite the XXXX approvals, XX/XX/XXXX I got a Statement of Credit Denial stating " unable to verify residence '' as excuse. I wrote the loan officer, he did n't answer so I called him. he said I was taking too long to meet the loan conditions ( producing a General Contractor ). I wrote the bank a letter and they did n't respond either. I believe that they did n't act in good faith, and in fact they denied my loan with no good cause. I have lived in the same residence for 4 years in XXXX XXXX. All my correspondence with the bank has been from this address. the other apparent reason for the denial is adverse credit. this is a bogus statement because my credit is close to XXXX the loan to value is about 60 %. the loan officer said I could qualify for much higher loan based on my ratios.

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 2023-05-08
Company: Consumer Portfolio Services, Inc.
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Consumer Portfolio Services denied my request for the Service Members Act, saying that I would have needed to apply this XXXX, and since my loan was in XX/XX/XXXX, they said that we don't qualify. However I will be out if country longer than XXXX, and the car isn't going. They want me to continue paying for the interest rates I can not access for XXXX years. I asked for a superior and was told one would wall back in. That was last week still no call. I then contacted a military attorney he said ; ( XXXX ) Sorry to hear. If Consumer Portfolio Services denies your request for SCRA relief based on the timing of the loan, they may be ( XXXX ) misinterpreting the law. The SCRA applies to loans that were entered into before military service, as well as loans that were entered into during ( XXXX ) military service. 

( XXXX ) eligible for SCRA protections. 
In the meantime, you may consider contacting Consumer Portfolio Services again to see if they can offer additional assistance. ( XXXX ) with your car loan. They may be able to work with you to find a more affordable payment plan or explore other options for reducing your interest rate. 

However, the same paperwork was submitted to my second finance company and was approved to start the day im set to be in XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear CFPB, American Express is not adhering to the protection order for credit reporting under the statute below, SEC, 4021 Credit Protection During Covid-19. I spoke to the Customer Service department on XX/XX/XXXX. I told them my request to update reporting and remove late fees would be reviewed. I have no correspondence for Amex ; they have closed all my accounts based on a review of my recent credit report dated XX/XX/XXXX. I had these accounts for XXXX  years with no late payments until Covid - 19 Pandemic in which I have been unemployed for the past year. My unemployment benefits ended in XXXX XXXX  XXXX. 

For the following accounts. 

AMERICAN EXPRESS XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contact date XX/XX/XXXX Credit Limit {$7200.00} Before XX/XX/XXXX / NEVER /LATE AMERICAN EXPRESS XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Contact date : XX/XX/XXXX Credit Limit : {$4900.00} Before XX/XX/XXXX, / NEVER /LATE AMERICAN EXPRESS XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Contact Date : XX/XX/XXXX Credit Limit : {$2000.00} Before XX/XX/XXXX / NEVER /LATE No delinquency can be reported to the following credit agencies until after my account 's XX/XX/XXXX due date. 

Credit reporting We're required by the Fair Credit Reporting Act to report all account information accurately to the consumer reporting agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SEC, 4021 Credit Protection During Covid-19. ( Please review the attachment - XXXX  days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to XXXX  days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the World Organization of Health ( Started XX/XX/XXXX ) Please check the official end day of COVID-19 by the CDC - ( the Covid-end date was XX/XX/XXXX ) Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/2023, I submitted a dispute with Experian regarding XXXX. However, it has been well over 30 days and I have yet to receive a response from Experian regarding my dispute. This delay is causing me undue hardship and is hindering my ability to reach my financial goals. As a result of this delay, I have been unable to secure the financing necessary to start my business. This has been a major setback for me and has caused significant stress and frustration. I urge Experian to comply with the Fair Credit Reporting Act and respond to my dispute in a timely manner. I am requesting that Experian provide me with a written explanation of the investigation and resolution of my dispute within 15 days of receipt of this letter. Additionally, I request that any inaccuracies be removed from my credit report immediately. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am past due on my balance. I missed a payment. One payment. I am getting calls all day long. Literally from XXXX to XXXX from various numbers. To the point of harrasment. At least 5-6 calls a day. This is a violation of the law and my rights. It needs to stop. This is not necessary for one missed payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX XXXX XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX XXXX XXXX also said they can't find anything on this account. Please help

Company response to consumer: Closed with explanation