BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was waiting for a package that never arrived. As I was still waiting for the package I received an email from usps to redeliver the package and update the address that was wrong. I licked on the link were it sent me to a usps looking like page where I put my address again and at the end it said it was going to charge me XXXX cents for the redeliver which I was fine with. I added my card and payed. I check my account to see if it went through and I did not see it post it. I then received an email from Chase saying that my card was added to XXXX pay which was an action I did not made. I thought it was an email about apply pay but I noticed too late. When I went back to my account I notice multiple pending transactions of XXXX dollars from different states. They were XXXX in total. I called Chase right away and the only thing they did was give me a new card and reactive my account with new username and password and gave me temporary credit. Then my claim was denied and credit was taken off. Now my account is on negative. Please help me, I lost XXXX dollars and Chase is not doing enough after I sent documents that were linked to the link of the scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: AMERISAVE MORTGAGE CORPORATION
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
First of all, what financial organization has XXXX customer service? This is unreal?? Loan originators don't answer phone calls but will reply emails in real time?? I was told the refi process takes 3 to 4weeks. {$590.00} appraisal fee paid for on XX/XX/XXXX to loan originator..amerisave didn't order the appraisal till 15th.appraiser comes to my house, does appraisal and a week later, no report.Then they try to change the terms of the 15yr refi and offer me a 30yr loan that'll require me to pay more than what I pay for my current loan? Who does that?? .The loan originator informs me he quit and ill be assigned a new originator. The new originator never answers my calls but will reply emails in real time. I request a refund but I'm given the run around.Basically ill lose about {$200.00} if I request refund. Then I get a call that ill be offered the 15yr refi I originally requested and a new appraisal ordered.That was almost 2 weeks ago.The appraisal hasn't been ordered.Theres no one to talk to.Customer service number just rings and you get an automated answer. Loan originator won't answer his phone. This feels like a scam to me.If this is how XXXX does business, its a shame!! So its either I get shortchanged if I request a refund or I wait for this to drag on forever.those are my options. 
Thanks XXXX!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have collections on my credit report that do not belong to me. I have tried to dispute these with evidence due to identity theft but the credit bureau continues to say these belong 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 non-monetary relief
Consumer complaint received 2021-10-18
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, COMENITY BANK WAYFAIR, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I AM A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 am writing you in regards to unauthorized charges made through XXXX XXXX  on XX/XX/2020 for XXXX under the account XXXX. I notified by email within minutes of the unauthorized charge. This charge was accidentally placed by a XXXX XXXX XXXX who was playing the game and accidentally made a purchase. They have not responded to the email. I also reached out to Capital One after the email was sent because I was in a panic and they started a dispute for me on that date. I gave then everything I had which was the email I sent and the fact that I did not authorize it. They have since denied it twice and are now telling me to go back to the merchant who is in XXXX and not responding. My husband sent another email today after the second dispute was denied. 

I always pay early and for more than the minimum. I didnt authorize this purchase and I need help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XX/XX/2022

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 2022-04-01
Company: Experian Information Solutions Inc.
State: CO
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 XXXX XXXX XXXX XXXX XXXX ( reporting on Experian ) has violated my rights. 

15 U.S.C. 1681 Section 602 a States that 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 explanation
Consumer complaint received 2018-11-08
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I applied for a home loan and was notified by the mortgage company that I have a judgement on my credit report from XXXX XXXX on behalf of XXXX. I contacted XXXX XXXX on XX/XX/2018. I spoke to XXXX XXXX with XXXX XXXX at XXXX XXXX in an effort to determine the validity of this account, as well as the scope of the case/judgement. 

XXXX XXXX advised me to complete their form and send it to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I reviewed the internet to and located a different address. I prepared a letter contesting the account and judgement ( attached ) and mailed a copy, certified USPS signature required to the address XXXX XXXX provided and the one I located on the internet. Interesting enough, the one XXXX XXXX provided me was returned undelivered. The one I sent to the internet address was received by Jay ( attached ). 

I have since received no proof or response to my letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-08
Company: KEYCORP
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was paying {$250.00} every 2 weeks when my monthly payment is {$380.00}. They were still reporting me late every month.

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 2023-04-05
Company: EQUIFAX, INC.
State: TX
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 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 has violated my rights . 15 U.S.C 1681 SECTION 602 A. STATES I HAVE A 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
There have been unauthorized disclosures of my personal identifying information. Amex, XXXX, XXXX, and XXXX are fraudulently furnishing the information listed below. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed. I have also provided opt-out notices from the model disclosures that I found on the CFPB website. If the attached opt-out notices provided by the CFPB is not sufficient, please provide me with a reasonable way to opt out of the disclosure of my nonpublic personal information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. FCRA Section 603 ( d ) ( 2 ) ( A ) ( iii ) opt-out. If the institution shares personal information pursuant to section 603 ( d ) ( 2 ) ( A ) ( iii ) of the FCRA, it must include in the mail-in opt-out form the following statement : Do not share information about my creditworthiness with your affiliates for their everyday business purposes. FCRA Section 624 opt-out. If the institution incorporates section 624 of the FCRA in accord with paragraph C.2 ( d ) ( 6 ) of these Instructions, it must include in the mail-in opt-out form the following statement : b Do not allow your affiliates to use my personal information to market to me. Nonaffiliate opt-out. If the financial institution shares personal information pursuant to 313.10 ( a ) of this part, it must include in the mail-in opt-out form the following statement : b Do not share my personal information with nonaffiliates to market their products and services to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-08
Company: CITIBANK, N.A.
State: VA
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 am in the process to obtain a new vehicle loan. Based on my recent credit report, I have an account reflecting that is not mine. I was listed as an authorized user by my husband without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-08
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was introduced to a group through XXXX  messaging app. There was an investment opportunity in which i later found out was a pyramid scheme. I sent a total of XXXX to the cashapp accounts below. I contacted cashapp and they stated that there was nothing they can do regarding the situation. I explained to them that it was a scam going on and still stated that they could not help me. 

XXXX XXXX  XXXX {$500.00} removed from bank linked to cashapp account XXXX XXXX XXXX  {$500.00} I have requested a refund from both parties in which XXXX declined and I am still waiting for XXXX response. 
please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Property Receivables, Corp
State: WA
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The apartment complex that has sent my bill to collections has made a mistake by charging me for the entire month of XXXX. I moved out a few days into XXXX XXXX XXXX XXXX and gave a proper 20 days notice prior to that. 

XXXX is confirming that this was the timeline as well based on their invoice. The invoice that was emailed to me shows I put my notice in on XXXX XXXX  and moved out XXXX XXXX 

Nowhere does this invoice show that I didn't put ample notice, nor did I stay the duration of the month of XXXX. Based upon XXXXXXXX XXXX  own records they sent over to you I should not be charged the entire month. 

It looks like XXXX has made a mistake charging and sending this to collections. 

Please Note : I do want to state that my true date of notice of moving out was XX/XX/ which I have documented via email. My actual last day at XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Statebridge Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed for bankruptcy in 2011 in which my 2nd mortgage stop contacting me regarding payment. I tried to reach out to them but the loan was sold. Now 15 years later, my 2nd mortgage contacts me stating I owe them XXXX XXXX dollars and if I don't become current, they will proceed with foreclosure. THIS SCARED ME, so I hired XXXX XXXX to represent me and negotiate a settlement. XXXX XXXX said filing a lawsuit was now best way to bring Statebridge to the " table ''. But XXXX XXXX did not act in good faith and fair dealing. Therefore, I tried to talk to Statebridge LLC and offer XXXX XXXX dollars as a good faith starting point to negotiate and give me more time to refinance the debt. Statebrigde LLC said I need XXXX XXXX dollars to stop foreclosure. But like most Americans, I DON'T have XXXX XXXX dollars in cash. But like a-lot of homeowners, I have over XXXX XXXX in equity in my house which I can refinance this debt with the investor Statebrigde LLC is serving for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: AMERICA FIRST FEDERAL CREDIT UNION
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 AMER FST CU and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AMER FST CU and XXXX/XXXX   with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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:
Please delete these fraudulent accounts from my credit report as they do not belong to me and I have no knowledge of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Driveway Finance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
All financial transactions and records are hidden from me It is my current automobile loan. 
. Unable to access payment dates records or any information related to my loan It shows the minimum information and they do not allow the consumer to have access to any of this information. 
This is in direct violation of consumer protection laws and federal laws under United States code.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
The reason that I am writing, is I bought a car at a 30 % interest rate because I could pay large amounts and because the dealer assures me that I could refinance within 6 to 12 months. Santander Consumer Bank, the lender, doesn't give you the proper information to make an educated decision as a consumer. Case in point, I owed XXXX, and I paid {$1000.00}, that left me a balance of XXXX but that balance was disclosed the next day. So that same next day I sent in a payment of {$100.00}, only to find out the following day that {$8.00} had already been assessed in interest, leaving me with a balance of {$10000.00}, when I was expecting a balance of {$9900.00} or so. The problem here is that when you make a payment, the bank doesn't communicate upfront what goes to principal, and what goes to interest, so I was deprived of making a sound decision, ( sending {$1100.00} to begin with ) because the bank controls the information related to the amount of money that they are charging me and when, and delays responses in order to accumulate more interest. If you compound this with the dealer giving me completely inaccurate information regarding refinancing within the time frames communicated, it is evident that something is very wrong here. I am fortunate that I can produce an amortization table, so I can see the numbers and what is going on, but imagine those who cant. I never expected that I would have to produce my own to keep the bank honest because I thought they had a fiduciary duty to the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I accepted the Covid forbearance from Wells Fargo. Now they want to foreclose. What do I do? XXXX ready to resume payments but they want to foreclose??? What do I do?? Help.

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