BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
Despite being protected by the Servicemember 's Civil Relief Act ( SCRA ), American Express ( AmEx ) has erroneously assessed renewal fees onto my account twice this year. 

The first instance was on XX/XX/XXXX, in the prorated amount of {$31.00}. I contacted AmEx and explained that I was a XXXX XXXX who served on federal active-duty orders ( Title 10 ) for over 30 days in length, from XX/XX/XXXX through XX/XX/XXXX. I further explained that XXXX eligibility extends one year beyond the end of the eligible service. So, my covered period would've been extended to XX/XX/XXXX, which contains the date in question. Instituting a renewal fee is therefore a violation of the XXXX. I opened a case with AmEx for them to review the situation, and after numerous follow-ups, I was incorrectly told that I was not protected under the SCRA. 

The second instance was on XX/XX/XXXX, in the amount of {$95.00}. I'm a XXXX XXXX currently serving on federal active-duty orders ( Title XXXX ), which began XX/XX/XXXX. Since I'm currently serving on federal active-duty orders over 30 days in length, I'm protected under the SCRA. It's indisputable that I should not have been assessed this renewal fee, and that the fee was applied in violation of the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I called on XX/XX/XXXX saying that my work had sent a direct deposit with the wrong deposit numbers. After 45 mins and talking to an acxount supervisor ( XXXX? ) that said she " spoke to the ach department and was told that I had to wait until Tuesday XX/XX/XXXX for my money to be available. '' While on the phone with customer service got laughed at 2 times .... supervisor was fine tho ... 

Called on XX/XX/XXXX speaking to a guy who put me on hold for an hour saying he was waiting in que to " talk to an account supervisor '' never got to one and confirmed the money sent to an inactive account .... 

XX/XX/XXXX called and was talked over the entire time. Asked to be transfered to a supervisor. Got transfered to a " supervisor '' named XXXX. XXXX put me on hold for 3 mins saying " let me call the ach team '' she came back and said you will just have to wait till end of buisness today and it probably wont go to my account and will just reject. After saying this makes no sense and why did you wait to tell me 5 days later .... what they are saying. The admitted the ACH team isnt even taking calls yet are not open ... .. then who was everyone wasting my time " talking '' too? 

It seems as tho this is a case of no supervisors and just customer service reps who dont care who trasfer you around to other customer service reps that also know nothing? 

This is disgusting from a customer service stand point and from a banking standpoint. This check is only XXXX ... ..my sons birthday is in 3 days and now im struggling with presents. Banks just dont care at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Freedom Mortgage Company
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I purchased my home in XXXX XXXX 10 years ago ) and have taken advantage of Refinance offers to lower the interest rates at least four times. The last time was XX/XX/XXXX to 2.75 % with XXXX Mortgage XXXX XXXX XX/XX/XXXXXXXX. The interests dropped again 6 months later and XXXX sent me solicitations to refinance. I bit the hook and began a VA IRRL Streamline REFINANCE. It was soon after I began the documentation that a MrXXXX XXXX XXXX decided that as a " woman '' I couldn't be a veteran and became difficult. We finally were SET to go to closing after THEIR Chosen Title company completed the so-called title search in XXXX. When I complained of the pushback, he pushed me off to one of their other companies FREEDOM Mortgage. So the process was STARTED over again in XXXX. The interest rates advertised were 1.75 %, 1.99 % and 2.25 %. As soon as they " spoke '' with me over the phone, they could only offer ME 2.25 %. However I kept getting their mailers that the rate was 1.75 %. I wanted the lowest rate available naturally. AGAIN I was denied. In the meantime, we move forward with FREEDOM to go to closing. Freedom decided that I ( A woman VETERAN ) could NO LONGER be eligible for a VA Refinance and decided to put my spouse XXXX XXXX XXXX XXXX on the note. This was an error and we could could not close in XXXX on the set date because of the erroneous paperwork. They promised to correct it and set a new closing date. They have called me THREE more additional times to CONFIRM a SET closing date of XXXX XXXX at XXXX at my residence. NO ONE SHOWED up. NO ONE called and As of XXXX XXXX, I do have have a REFINANCE loan which started with the Parent company in XXXX with XXXXXX/XX/XXXX. I believe I am being discriminated against as a FEMALE ( gender discrimination ) and racially ( as a XXXX female ) and as a Veteran. -- - This company has sold my information to others and I have been getting solicitons from other Mortgage lenders who " without my approval '' pulled a Hard inquiry on my credit report. This company XXXX XXXX also stated that on XXXX XX/XX/XXXX that my FICO score was XXXX which was NOT true for XX/XX/XXXXor XX/XX/XXXX My SCORE was XXXX and ABOVE for all three activities. Of course FREEDOM and XX/XX/XXXX claimed that they could NOT give me 1.75 % ( lowest rate ) due to my credit score which was an Excellent score. My score now is above XXXX ... There is NO excuse for this poor service and I believe this is HORRIBLE treatment. It is costing me more money and I need to be compensated.

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 2023-10-29
Company: EQUIFAX, INC.
State: FL
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 USC 1681. 

XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX  # XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2022-02-10
Company: Chime Financial Inc
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Today XX/XX/2022 at XXXX cst. Chime closed my account, that i recieve my paychecks from and took my money. The shut me out of the app on my phone so I could not access anything. I have not talked to anyone, you can only email them. They told me to send a copy of my Id, and receipts of how i make money. I sent my check stub which is directly deposited into that account every XXXX weeks!!!! They haven ; t responded to any emails, or anything. Please close this company down. I read reviews of how the closed people 's accounts after their stimulus money hit. Said they had been closing out people account stating their sending the money to the government, which is a crock of XXXX. They owe me XXXX. I really need my hard earned money!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

I understand that you probably are getting thousands of this type of letter every day and may find it hard or impossible to work on them all. So, I am giving you another chance to do what is right. You are in VIOLATION of my rights as a consumer as clearly stated in Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), that you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. And so, I request to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$6000.00} XXXX CARD XXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX  XXXX | XX/XX/XXXX N/A Inquiry {$0.00} XXXX CARD | XX/XX/XXXX N/A Inquiry {$0.00} XXXX XXXX | XX/XX/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 2019-04-04
Company: Professional Finance Company, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My ex-spouse took my son to the doctor and there was a bill outstanding for {$180.00} and another for {$25.00}. This happened in Colorado XX/XX/XXXX and XX/XX/XXXX. This week I see a negative mark reporting on my credit report so I contacted Professional Finance Company and explained to the gal that I was not in Colorado during those times and therefore could not be responsible for the dept. I also explained that I didnt even know there was an outstanding debt or I could have paid it before it went to collections. The hospital had my ex spouses address but for some reason my name and social security number. The gal on the phone told me that once it went to collections it became both mine and my ex spouse responsibility according to Colorado Law. Which I understand but I was never given the change to pay the bill prior to it going to collections and if I was given that chance this would be a moot point. The gal at the collection company did have my correct address but never, ever have they sent me a notice of this debt and in fact she said they had been sending it to some address in XXXX Colorado. So there was never an attempt to contact me via mail and therefore I feel that this action should be removed from credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/, I filed a complaint on Transunion about charge-offs and verifying debt. Although Transunion did verify most debt and found it invalid. There were still a few items left on my credit report. Transunion stated that they would mail me an updated credit report within 7 days of closing my dispute. I did get an updated report but I did not get any documentation from Transunion stating that the information left on my credit report was valid and why. The dispute number in question ends in 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 2021-04-12
Company: MIDFIRST BANK
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:
The credit card company charged me a late fee which I paid on XXXX I phoned them and was given confirmation number XXXX on receiving the next bill. 2 late fees were given even though the bill was paid 4 days before it was do and there were plenty of funds in account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: VA
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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/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 2022-02-10
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have XXXX as my mortgage servicing company. I was on the forbearance program due to unemployment/COVID 19. When my forbearance ended I was sent a loan modification packet, which I accepted, signed and notarized. Delivered to them on XX/XX/XXXX with XXXX tracking. They had apparently sent out another modification package to my address due to what they are claiming, unclear dates on the original docs.I never received the other modification package and was never notified by phone or by regular mail that there was an issue until today, XX/XX/XXXX when I was calling in to make my payment and wondering what was going on with the modification. I have been paying my mortgage as agreed with the new modification terms and conditions but XXXX has decided that they do not want to honor the original modification package anymore and want me to start the process all over again under new terms and conditions. I am looking to get any help I can but don't know where to turn.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a new XXXX savings account under a promotion offer code : " XXXX '' at the branch on XX/XX/2023. I received a promo code validation from the banker. 
I have met all offer requirements ( please see description below ), but I did not receive the {$520.00} bonus. 
The bonus requirements are as follows : XXXX. " Open new account with {$25.00} in a branch. '' I opened my account at the branch on XX/XX/2023 with {$25.00}. 
XXXX. " Bring {$25000.00} or more in new money to your new savings account by Day 30 and maintain at least a {$25000.00} balance through Day 90 after account opening. '' In my case I needed to bring a total of {$25000.00} or more by Day 30 was XX/XX/2023. By XXXX XXXX, XX/XX/2023, I brought in a total of more than {$25000.00} in new money, and by Day 30 I had a balance of {$25000.00} in my savings account. I maintain the funds in my account through Day 90 after account opening. Day 90 was XX/XX/2023. I maintained the funds in my account until XX/XX/2023. 
Although I met all the requirements, I did not receive the {$520.00} Savings Bonus.

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 2019-07-31
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When this loan was originally taken out I was only the authorized user on my mother 's loan for this account. Somewhere along the line Ally financial started using me as an account holder, since my mom was sick. She eventually stopped paying due to illness and the account was transferred to a collection agency. I was never listed as an account holder with them and they never reported it to any credit reporting agencies. In XX/XX/2019 my mother died and Ally is reporting this on my credit file to all 3 reporting agencies. In the original loan documents it states that if the account holder ( or any account holder ) dies then loan is considered paid in full. I contacted Ally sent them my mother 's death certificate along with a  letter to remove this from credit reports. I sent a certified letter that a company rep signed for on XX/XX/19. I asked that they validate my obligation and send me proof and to also remove this based on the loan agreement stating that upon death of 1 or more of the account holders the account is paid in full. It has been over 30 days and it is still being listed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Filing a new complaint to follow up on my previous complaint about the 1099-C that Nelnet stated is fraudulent. I am writing to file a new complaint against Nelnet, a student loan servicer. I previously filed a complaint about a 1099-C that Nelnet issued to me. Nelnet has not provided me with any documentation to support their claim that the 1099-C is fraud, and they have also refused to provide me with a copy of my original promissory note. I am now requesting that Nelnet provide me with the following documentation : 1. Documentation on how they reached the decision that the 1099-C is fraud 2. A copy of my original promissory note FCRA Violations : 1. Nelnet reported my student loan account to my credit without my consent. 2. Nelnet never gave me the option to opt out of having my credit report shared with non-affiliates. FDCPA Violations : 1. Nelnet did not provide me with documentation to support their claim that the 1099-C is fraud. TILA Violations : 1. Nelnet failed to provide me with clear and accurate information about my student loan account. 2. Nelnet engaged in unfair and deceptive lending practices. I have attached documentation to this complaint showing that the 1099-C was accepted by the IRS and a copy of the 1099-C. Student loans are a federal debt backed by the full faith and credit of the United States. Nelnet is required to comply with the law and provide me with the documentation that I have requested. 
Nelnet is also not the original lender but only the servicer. Nelnet is also part of the securitization fraud for this commercial paper. According to the purchase agreements, Nelnet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX will sell the loans to Nelnet Student Loan Funding III LLC ( the depositor ), which will sell the loans to the issuing trust. In rating this transaction, XXXX XXXX XXXX XXXX XXXX will review the relevant legal matters as outlined in its criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: GA
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/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the 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 non-monetary relief