BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023, I took a taxi from XXXX XXXX XXXX XXXX to the XXXX XXXX XXXX. This ride normally takes 30-40 minutes and should not cost more than {$100.00}. The driver told me the ride would cost around {$90.00}. After we pulled up to the hotel I inserted my Chase sapphire reserve card in the drivers credit card machine. I was told it would still be {$90.00}. Since I was eager to get out of the car, I forgot to get a receipt or invoice. Once inside the hotel, I checked my statement and saw a charge for {$980.00} USD. I reported it to chase immediately as fraud. On XX/XX/XXXX, Chase told me they contacted the merchant and they said he was able to provide an invoice. I explained to the Chase representative how could a 30 minute taxi ride cost {$980.00}. I then looked at the " invoice '' supplied by the merchant and there is no list of goods or services provided, no date, or even a pickup and dropoff location. It is just a picture of a computer screen with a charge on it. This supposed merchant clearly produced a fake invoice to satisfy Chase. I will be calling the hotel to retrieve security footage to prove I was dropped off in a taxi and was not purchasing anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Resurgent Capital Services L.P.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 LVNV FUNDING LLC. XXXX Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reaD. They never verify. I did send them letters they didnt respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below BANK OF AMERICA 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 2023-01-16
Company: OPORTUN FINANCIAL CORPORATION
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:
In accordance with the Fair Credit Reporting Act the creditor, XXXX XXXX XXXX, has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy ; 15 USC 1681 Section 604a section 2 it also states that a consumer reporting agency can not furnish account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Santander Consumer USA Holdings 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: Investigation took more than 30 days

Complaint:
In a multi state class action lawsuit to which I am included in a settlement agreement litigation Santander Consumer has agreed to provide relief by removing any and all negative information which has negatively impacted my credit report me the consumers in which they have reported to all three credit reporting agencies should have been deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: NV
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 have a loan with XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with XXXX and Equifax credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
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: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: ALLY FINANCIAL INC.
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
To whom it may concern ; I had 4 CDs with ally bank. In XXXX I recived a letter stating that the account would be considered dormant unless I contacted them. On XX/XX/XXXX I called and was told that the account was in good standing. When I got my statement on XX/XX/XXXX it was XXXX balance. They sent my money to the state of nj. XXXX the 2 CDs total about XXXX XXXX dollars. I spoke with XXXX on XX/XX/XXXX and he explained that I have to retrieve the funds myself. On XX/XX/XXXX I spoke with XXXX and he told me that ally was retrieving the funds. They refused to return my phone calls. No return calls to date, 10 days, or emails. Please help. Thanks 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 monetary relief
Consumer complaint received 2022-04-15
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-04-26
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
To : American Express Virtual Prepaid Card I don't remember the history of the card, but I tried to use this card multiple times over the course of 3 months. ( You can check the history of the card, the customer service agents were able to see it whenever I contacted them ) I've tried to use it at XXXX, XXXX, XXXX, and XXXX. Customer service can not help me. They just tell me to try different websites, but the card should be able to be used anywhere American Express is accepted. I have called customer service a total of 3 times already, and the last time I spoke to XXXX, who said I can try again at XXXX after XXXX. I keep trying for the full amount, but XXXX has done an authorization charge, before processing my order and keeps telling me that I need to change my payment method. This is unacceptable, as the virtual prepaid card should be equivalent to cash but I can't use it anywhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-12
Company: EQUIFAX, INC.
State: LA
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:
EQUIFAX is reporting inaccurate information that doesnt belong to me. 
On XX/XX/2020 I sent EQUIFAX a letter to update/ correct my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought my home in XXXX of XXXX and financed with XXXX XXXX XXXX who subsequently sold the loan to NEWREZ.In XXXX of XXXX I began the process of refinancing my 4.375 % loan to a 2.875 loan with XXXX XXXX XXXX when the problem began with NEWREZ.My loan was set to close and NEWREZ wanted {$2500.00} more monies than they were due for forced placed insurance that i didnt need and escrow shortage that didnt exist.I have a condominium with a master policy and they had the policy and we resent it again and again. 

They refused to adjust the pay off and sent an escrow analysis increasing my monthly payment by {$540.00} to cover insurance that doesnt exist and an inflated tax escrow, so i couldnt refinance and I cant afford the higher payments. 
Either I or my XXXX XXXX XXXX or the closing attorney called, emailed, faxed numerous times in XXXX, XXXX and XXXX to rectify this to no avail. 
Conversations were had with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX # XXXX and XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Experian Information Solutions 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:
These are not my accounts. Please remove them among the few others I submitted on the other report. Thank 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 explanation
Consumer complaint received 2019-04-20
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had this credit card for several years. The last few months I have been hit with late fees, and unjustly. I have tried to make my payments online, like I usually do, and the website would not let me log in. All of a sudden it is asking me to verify myself, then tells me to request a code by text, and when I do, it never comes, after waiting a while I try again, and still the same scenario. I also tried to make a payment on the phone, but it asks me for the full account number, which I don't have. Then it told me that I couldn't make the payment because a current payment was pending. I then tried to ask for a code via email, and when I entered that, it kicks me out of the system and makes me ask for a new code. This cycle is never ending and I can never make this payment on time. I called last month, and she said she would let the correct department know, and that she would set up an automatic payment for me so I wouldn't have to go through this again, and she said she would remove that fee. Well this month, it happened again, I could not log in, doing the same old vicious cycle, and I asked for help again.This time the excuse was that my email was not " verified '' which is why I could not log in. I told her I have had the same email address for years, I never had a problem before these last few months, and how come I get other emails from them if it wasn't " verified ''. They are just making excuses and resorting to dishonest business practices so they can gouge me out of these excessive and unjust late fees.I have always paid my account on time, all the years I have had this card, as well as all my other cards. As soon as I did a balance transfer after not using this card for a long period of time, it seems like they are being vindictive and punishing me, and making up false reasons why I am being charged these late fees. Furthermore, I was able to make the payment the same day that it was due, but their website forces me to choose a later date, and when I try to make a payment on the phone, it says the the current date.So frustrating and unethical!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Certegy Holdings, LLC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
My tenant is having trouble paying her rent do to loss of job. She has been paying me in money orders. It hasn't been a problem until today, I went to cash two money orders from her. I used the same store that she purchased them from. 

They cashed the first one, but the second one they denied. They gave me a number to call, and it appears they are denying me because of my credit file. What's weird about that is, the money order was purchase with cash. It's prepaid, and I have nearly perfect credit, with a credit score exceeding XXXX. 

What the heck is going on? I don't have a lot of knowledge of this company or cashing money orders, but it appears this company is a scam, unethical, unprofessional, or all three.

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 2021-01-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Please look into lenders. I would like you to look into how lenders are boxing out low income families during this period of low rate mortgages. Lenders are being listed as FHA lenders who should only require a XXXX XXXX of XXXX. However, lenders like Pennymac Loan Services and several others have raised their requirement to XXXX despite the FHA requirement. Other lenders, per a XXXX XXXX XXXX, have raised their requirement to as high as XXXX. This is a personal affront to families trying to take advantage of the low mortgage rates who may not meet the conventional standard. These lenders are using conventional standards for FHA loans. They should not be allowed to use FHA standards to advertise or lore in consumers. This is not fair to families who would be able to own their homes under the FHA guidelines. They are now being boxed out of the market. Shame on XXXX and many other lenders. During this time of hardship, to be adding more hardship so freely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Self Financial Inc.
State: NJ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called the company last week after I saw this in my account and assured me I don't have an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: KY
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:
This account is reporting inaccurately. I have never been late and I ask the reporting agency to prove this with documentation.

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 2023-01-16
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$620.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} 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 explanation
Consumer complaint received 2023-04-03
Company: SYNCHRONY FINANCIAL
State: DE
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:
XX/XX/XXXX - XXXX XXXX account/credit card through Synchrony Financial ( a second credit card with Synchrony Financial XXXX the first one obtained in XXXX XXXX ) XXXX - XXXX XXXXXXXX charge of {$3000.00} Made monthly payments by bank draft on XXXX  ( list below ) but payment on XX/XX/XXXX for {$2300.00} ( listed on my account as " posted '' ) was placed on a 10-day hold by Synchrony with no notice to me. All prior payments on both Synchrony cards have always been posted same-day. 

XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$2300.00} XX/XX/XXXX - A payment transaction by surgeon for my XX/XX/XXXX XXXX was declined due to {$12000.00} not being available - only {$9000.00} was available due to the unapplied {$2300.00} payment that I was told would be released from hold on XX/XX/XXXX. My XXXX date was due to be cancelled if payment was not made by XX/XX/XXXX. To avoid this, I requested a credit limit increase of an additional {$3000.00} that was approved but the Chat Rep mistakenly entered {$300.00} as the amount of the increase and quickly terminated the chat! 

I had to start a new Chat thread to have a second Rep correct the error. 

The only way to work to resolve this was through the Synchrony website 's Chat Bot. After requesting a " live Rep '' with the Bot, the Chat Rep stated the reason for the hold was due to the [ high ] payment amount. I advised that the payment was from cash/ACH from my bank account that was done on XX/XX/XXXX, and there is no reason to hold a cash payment, let alone for a two-week period, and without any notice to me.

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 2023-11-09
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a Sears Citi credit card at least 7-8 years ago, maybe even longer. Paid the amount off by monthly payments. Sears then went out of business 3-4 months later after I paid the card off. Recently, out of nowhere I received a notice stating I owe XXXX so I called as there was a language barrier. The woman could not explain after all of this time how I mysteriously had a balance. I believed this to be a scam, so I asked for proof. A week later I received a letter just stating that I had a XXXX dollar balance without dates and or past history info along with a new credit card that I DID NOT ACTIVATE. A few weeks later I realized they sold the depth to XXXX XXXX/CBNA and it lowered my credit score.

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