BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Hello, I am experiencing a nightmare with Chase Cardmember Services. Background : My Chase Sapphire Credit card ( former acct # ending XXXX ) had a high balance and was closed about two years ago and I entered into a repayment plan. In XXXX I called Customer service and held the line for a payoff quote and set up a checking account draft for the balance which was approximately {$7000.00}. I also took the time to provide the Agent with my correct phone and mailing address which had changed since the card account had been closed for repayment. This had never caused an issue because I had set up auto draft for on time payments the entire 2 years. In XXXX I discovered there was some fee or balance on the closed paid account for about {$40.00}. and I again took the time to call into Chase Customer Service. After several transfers and verifying my account over and over, the one Agent informed me Chase had generated interest after the payoff but they saw it was an honest mistake and considering my payment history said they would waive the {$40.00} as a courtesy. I did not think more of until I decided I would reward myself my paying off all of my debt and buying a new home. I attempted to prequalify for a mortgage loan on XX/XX/2022 and the Loan Officer told me that I had a JP Morgan Chase account seriously delinquent and my XXXX score which had been greater than XXXX was now a XXXX and I no longer qualified for the best home loan rate. I was ripped apart by this that Saturday and Chase phone system was down and I could not get through. Then Chase was closed on the 9th and I began calling on Monday the XXXX. It took 3 calls, verifying my account with XXXX XXXX XXXX Employees attempting to transfer me to a Supervisor with the call dropping each time before I finally get a Supervisor to help and transfer me where they reviewed the call log and notes and saw I had called on XX/XX/XXXX but they said the call was disconnected and the Agent must not have followed through with the request. The Supervisor again said she would remove the {$40.00} fees and to call back in 2-3 business days and perhaps I would need to talk to their credit reporting team. I called back tonight, transferred around finally to Credit and they said there was nothing they could do about this late payment on a fully paid closed account. Please contact Chase, investigate and add my name to a database for the class action lawsuit they will most certainly have coming their way if they treat their Customers this way. I do not know if I can buy this home now over {$40.00}. I am devastated. Thanks for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Company: KEYCORP
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: Account information incorrect

Complaint:
FOR XXXX XXXX AND XXXX XXXX WE DEMAND KEYBANK AND THE CREDIT BUREAUS REMOVE THE DERAGORY ACCOUNT STATUS ON XXXX XXXX AND XXXX  AND THE REPO COMMENTS WHICH ARE BOTH INACCURATELY REPORTING. 

LOAN PURCHASED XX/XX/XXXX. WE ALWAYS PAID ON OUR MONTHLY FEES ON TIME. 

PAYMENTS WERE ALL MADE VIA A INTERNET PROGRAM FOR KEY BANK. 

PAYMENTS THAT ARE MADE TO KEY BANK WOULD TAKE OVER 2 WEEKS TO POST FOR SOME REASON. WE HAVE NO IDEA WHY. IT WAS A KEY BANK PAYMENT PROCESSING ISSUE THAT CAUSED THESE DELAYS. 

THIS MISREPORTED DATA HAS CAUSED US TO GET DECLINED FOR A HOME LOAN AND FOR THE LOAN WE WERE APPROVED FOR IT CAUSED US TO PAY HIGHER FEES/COSTS. WE ARE WORKING ON ASSESSING THESE DAMAGES AND ARE CONSIDERING FILING A LAWSUIT TO RECOVER ALL OF OUR COSTS DUE TO THIS NEGATIVE CREDIT REPORTING IMPACTING OUR CREDIT HEALTH AND SCORES. 

SCENARIO- LATE XX/XX/XXXX I RECEIVED A NOTICE THAT OUR BOAT HAD BEEN REPOSSESSED. I CALLED AND ASKED WHAT THEY WERE DOING AND THAT PAYMENTS WE ALWAYS MADE ONLINE BEFORE THE DUE DATE. 

SO WE WENT OVER TO XXXX, AZ PAID THAT MONTH 'S PAYMENT AGAIN ( WE DOUBLE PAID THAT MONTH ) AND PICKED UP THE BOAT. WE WE WENT OVER TO THE TOWING COMPANY TO PICK UP OUR BELONGINGS IN OUR BOAT AND THAT WERE IN OUR BOAT AND WE SAW THAT ALL OF OUR BELONGINGS WERE STOLEN! 

SO WHEN I GOT BACK HOME WE CALLED KEY BANK AND TOLD THEM NOT ONLY DID THEY REPO OUR BOAT THAT WAS NEVER PAID LATE BUT, THAT OUR BELONGINGS WERE STOLEN. THEY TOLD US THEIR TOWING COMPANY HAD TAKEN OUR BOAT EQUIPMENT AND THAT THEY DID NOT AUTHORIZE IT AND THEY WROTE US A CHECK TO COVER OUR REPLACEMENT COSTS FOR ALL OF THE ITEMS THAT WERE TAKEN. 

SO RECENTLY I WROTE THEM A LETTER ASKING THEM TO REMOVE 2 LATES THAT WERE WRONGFULLY REPORTED AND TO TAKE OFF THE REPOSSESSED/REEMEMED DEROG COMMENTS. THEY TOOK OFF THE 2 LATES HOWEVER, THEY FAILED TO REMOVE THE STATUS AND COMMENT ERRORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid 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:
I purchased some items from XXXX XXXX online. The delivery company ( XXXX ) lied and said they delivered my package to me and they didn't. I was clocked into work 3 hours away when they claimed it was delivered to me. Chase offered me a provisional credit but took it back once XXXX XXXX said the package was marked delivered. My package was signed for with a line. I understand it was marked delivered but I did not receive it as I was at work. I should not be held responsible for something I didn't receive. I'm only complaining now because I didn't know about the CFBP but now that I do, maybe they can help. This was {$3300.00}. I still have my letter to Chase and it was totally disregarded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax is reporting my old account with XXXX XXXX to have a credit line of {$7500.00}. The credit limit was {$8000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
I have reasons to believe that a collection agency have erroneously reported information on my account and has illegally charged a fees of what I owe ( XXXX ). I have submitted a dispute with TransUnion which was received by them on XX/XX/22 where I asked for them to provide me validation/verification of amt owed - none provided. Subsequently, I sent another request in the month of XXXX, which I got a response in within 30 days that the dispute inquiry was complete, but with no resolution or evidence to support that I owe the amounts and furthermore, no removal of erroneous information. I have filed a dispute with CFPB more than 15 days ago and still no response from them. I have already had this removed from XXXX, so it's evident that the information is incorrect, but it seems like TransUnion does not want to assist.

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 2023-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX ( the transaction didnt show until XX/XX/XXXX ) my wife and I attempted to yse our XXXX reward miles to purchase a flight with XXXX XXXXXXXX to XXXX . This flight is to see the XXXX XXXX XXXX XXXX XXXX who will be XXXX any day now. The capitol one page forced reset the page before we could buy the ticket but our miles disappeared. Weve spend around 4 hours on the phone with Capitol One requesting them to return our miles to us. They said they will do an investigation which could take up to 90 days. Our sister could go into XXXX any day now and we need to buy the ticket now. They have offered no solution to return our stolen miles back to us. We have spoken with XXXX XXXX who say theyve received XXXX payment and contact from capitol one which means this is all an internal system error within Capitol One. We deserve to have our hard earned mileage returned to us immediately so we can travel to see our XXXX XXXX XXXX XXXX. This is unjust.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$63000.00} ; XXXX XXXX XXXX Balance : {$370000.00} ; XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Fraudulent account showing on credit 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 non-monetary relief
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX  account # XXXX 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 states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-04-20
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Affirm is reporting an incorrect negative item on my XXXX credit report. 

I opened a loan on XX/XX/21 with Affirm after purchasing a product from XXXX XXXX, and choosing affirm for the payment. I selected autopay, and linked my bank account for payment. I was informed by XXXX around 60 days later that Affirm has reported a negative item to my credit. I checked my credit report and affirm reported that i never made my first payment. I reached out to Affirm who stated I never configured autopay that day for that item. 

I have reached out to Affirm for months, trying to resolve the issue. I have been asked for supporting documentation to prove i configured autopay, but I never even received a single email from Affirm that day confirming my selection of Affirm for payment, nevertheless confirming autopay was selected. Even Affirm agrees I selected Affirm as a payment method that day, even though they did not send an email confirming that either. I remember the day i ordered the product very clearly as I ordered it while on a break at my job, and my friend who convinced me to buy the rice cooker, since they have used it and highly recommended it, was sitting with me as i placed the order. 

I have not had a single late payment in 9 years on 11 credit cards and installment accounts. I have disputed this many times through XXXX and Affirm. This experience has been a living nightmare. Being laughed at and mocked by their staff on the phone, as I am powerless to prove what really occurred.

16 years ago, I was XXXX  and lived behind my friends house in my car. I worked at a XXXX XXXX XXXX to save up for a deposit to rent an apartment, got a better paying job in a mall, and stretched every penny, saving every cent to achieve my dream of opening a gardening business one day. I take my credit very seriously after screwing it up when I was young, and i never missed a single payment in nearly a decade. I now have officially postponed attempting to open my small business as planned as a result of my credit being impacted by Affirms mistake. 

I can not provide proof that i configured autopay that day, as they never sent me an email even confirming that affirm was chosen as my payment method for the XXXX XXXX which is clear from my account being opened with them that day on my account page.

I am begging for help, i worked so hard to repair my credit only to be the victim of Affirms mistake. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my attempt to get this matter resolved. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. 3 credit bureaus have failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed accounts that are reporting to my credit file held with the 3 credit bureaus. These accounts were opened negatively. I informed them of the issue & provide them with the required documents to correct the accounts via FCRA Section 605b. They have failed to correct the accounts, additionally, they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following accounts to be corrected from my report ASAP. I want you to correct the following accounts immediately : XXXX XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$370.00} ; XXXX XXXX XX/XX/XXXXXXXX Balance : {$2700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: GA
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 item listed below has violated my rights. 

INQUIRIES : -DXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 non-monetary relief
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX has been reporting me to the credit Bureaus. 
TransUnion I sent letters to the Bureaus and to the collection companies. The accounts still remain and have not been fully validated. 
After 45 days the accounts were removed from my credit report and now recently they're reporting the same accounts that were closed as active.

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 2023-10-19
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
In XXXX of XXXX, I was in need of a new vehicle. I went to The XXXX, NY in search of a new vehicle. I found a car on XXXX XXXX lot which has now changed their name. The sales guys I worked with was XXXX. As I reviewed the vehicles on the lot I came across a XXXX XXXX XXXX XXXX XXXX. This was a new vehicle that had just came on their lot and he said the price was {$10000.00} dollars. I spoken with the salesman XXXX to start the process to purchase the vehicle. due to my credit score I had to put a lot of money down. I made a {$6000.00} down payment on this vehicle and XXXX process the paperwork for me to finance of the remaining balance of {$4000.00}. I was told that my loan provider will be Santander Consumer USA. I received the vehicle and was told that the paperwork of the loan will be mailed to me because of Covid. They provided me how much I will be paying monthly and set up automatic payments from my bank until the paperwork comes in.After a few months I never received the paperwork I called the dealership and kept getting the run around. After time passedI I noticed that I was paying on the vehicle and I never received the paperwork. I called Santander Consumer USA inquiring about my loan. The representative shared that they had no record of a down payment on this loan and it was just an interest bearing loan. They mailed me the documents on file and from what I finally received in writing from them it shows the interest rate of 45 %. I have been trying to fight this matter since purchasing this vehicle. The paperwork they finally sent also shows a company name XXXX XXXX XXXX as the seller creditor who I have no idea who these people are. The number on the document provided doesnt add up nor is this my signature on this document. On my credit report my loan is now charged off with Santander Consumer USA but I never received any paperwork on the charge off. But, on the car retail installment contract XXXX XXXX XXXX is listed as the seller creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I contacted US Bank business checking XX/XX/2023 since I didn't receive the {$500.00} opening bonus, they gave me a reference number : XXXX. They returned my call on XX/XX/2023 saying I won't receive the bonus since the money isn't new to US Bank, but transferred from my existing US bank account. However, their offer opening page doesn't say it has to be new money, can't be existing money. I have the screenshot of that.

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 2023-07-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XXXX BANK HAS REPORTED FRAUDENT ATM CHARGES AND OTHER SERVICES ON MY CHECSYSTEMS REPORT BUT IVE NEVER BANKED EITH XXXX OR ANYOTHER VANK IVE ALWAYS BEEN UNDER MY PARENTS ACCOUNTS. IVE DISPUTED MIRE THAN ONCE SENT IN POLICE REPORTS IS SSN CARD VERIFICATION ADDRRSS YET THEY STILL WONT REMOVE IT STATING IT WSS NE WHEN IT WAS NOT.

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 2023-10-19
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Upon checking my XXXX XXXX account this afternoon XX/XX/23, I saw that I was charged a {$30.00} late fee even though I sent a {$30.00} payment on XX/XX/23 which was before the due date of XX/XX/23 but it was not posted to my account until XX/XX/23. I have attached proof of payment below When I called their customer service XXXX have attached proof of payment below center, the rep and two supervisors told me that they will not reverse the charge because they already reversed one late fee and that I am only allowed one late fee reversal every 18 months. 

I was also told that the payment was posted late because they have thousands of payments to process and that it is impossible to process all of them on the date they receive them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-07
Company: Paypal Holdings, Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Permanent deletion of Venmo account after verification of identity due to violating company practices. They are holding funds that were in my account for up to 180 days for loss prevention purposes they say. I only had 1 transaction

Company response to consumer: Closed with explanation