BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
A credit car was opened using my credentials through chase and was left unpaid not the balance is on my account and credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Ocwen Financial Corporation
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:
In  XXXX   XXXX , we filed a complaint with the  Consumer Protection Agency  against  Ocwen  Mortgage. The  CPA t ook the case and got involve d ( CFPB Case No.   XXXX  ). On   XXXX   XXXX   XXXX  , we received a letter from Ocwen, who finally admitted to a bookkeeping error on their part. They had missed a payment that we made in  XXXX  of  XXXX  and were reporting for over  two  years that our payment was late and were charging us late fees. We thank the  XXXX  for their help. Unfortunately, this problem still persists. We sold the home that this loan was connected to on    XXXX   XXXX   XXXX    and the loan with Ocwen was subsequently paid off. I have copies of all documents relating to this loan payoff. In Ocwen 's   XXXX   XXXX   XXXX     letter they state that they are going to contact  XXXX  and  XXXX  to fix our credit report. I know you will not be shocked to find out that they did n't do it. Not only that, they have not report to the credit reporting agencies that the loan has been paid off.  XXXX  's credit report still shows an open loan to Ocwen in the amount of $  XXXX . We recently applied for a loan with  XXXX   XXXX   XXXX  Bank and were rejected because of the  Ocwen  mark on the credit report. I have tried to reach out to Ocwen to get them to fix this once more and have gotten no where with it. I am begging you to please intervene on our behalf once again to get this fixed. This error is ruining  XXXX  's credit and hindering us from getting a loan. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I requested information regarding a villa stay in the XXXX XXXX through a company called XXXX, their website is XXXXXXXX, and was put in contact with XXXX XXXX XXXX XXXX. I proceeded with booking a villa in XXXX, XXXX XXXX from XX/XX/2022 - XX/XX/2022 and three payments in the total amount of {$6000.00}. 

When the day came to check into the villa XXXX XXXX responded to my messages and told me he got the days mixed up and that the villa was already occupied. He promised to return my money and it's been over a month and all he does is come up with excuses as to why he can't give me the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: UT
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:
Chex systems received a LEGAL Notarized BANK affidavits the Certified Receipt shows Tracking Number : XXXX XX/XX/XXXX DELIVERED to them disputing XXXX and XXXX bank under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For Chex systems to Provide physical verification of the original signed consumer contract. <P/>I demanded from Chex systems to see Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY the Certified Return Receipt shows XXXX sent to me XX/XX/XXXX. UNDER the FCRA they are Now REQUIRED to REMOVE BOTH XXXX and XXXX under federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: TN
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 reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, 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 2017-05-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX   XXXX   XXXX   Opened   XXXX   XXXX   XXXX   {$170.00} Original creditor : 01   XXXX   XXXX   I have legal documentation that this account was stated as CLOSED and that their would be no further financial obligations as of   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: IL
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:
To whom it may concern, I am writing this letter of dispute about a fraud remark on my credit report with Equifax. This matter derogatory remark is saying an account opened XX/XX/XXXX for {$210.00}. And the 1st delinquency XXXX with XXXXXXXX XXXXXXXX XXXX XXXX I have made several attempts to resolve this matter with XXXX XXXX XXXX and Equifax when it appeared on my credit report. XXXX XXXX XXXX is having trouble with producing and sending me a list of all the billing history and the itemized transaction for this account. I need to thoroughly investigate this matter since Equifax has refused. 

The only documents I received with another person 's name crossed out and someone filled in my name on a contract that was not authorized by an officer of the company XXXX. The contract is showing a zero-balance dated XX/XX/XXXX. With a different ink pattern where someone decided to print my name or copy and paste it on this contract. 
XXXX XXXX XXXX have also sent me someone else credit card info. I have double-checked all my credit cards it does not match with my credit cards. 

I have also requested Equifax to send me the personal information they supplied to XXXX XXXX XXXX about this matter. And how was this account verified as correct? I have certified mail this information To Equifax regard unfair practice and deceptive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, 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:
On XX/XX/XXXX, I submitted a request to block the accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX Balance : {$4900.00} XXXX XXXX  XXXX Balance : {$30000.00XXXX XXXX XXXXXXXX Balance : {$61000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Revolut Technologies Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent a transfer from my XXXX business account to my newly open Revolut Business account after a few days of pending status and sending them some requested documentation they decided to close the account it has been 22 days since they received the money and yet they have failed 3 times to return it back to my XXXX account Their customer support its like speaking to a 5 years old on incompetence they get a 5/5 I get constantly lied to my face by their representatives they reply the same manufactures answer your problem will be solved soon you are priority number 1 and still they are so incompetent that they admitted on chat to sending back the wire with the beneficiary details instead of the senders details when is where the wheres is supposed to go Not to talk about all the loses and damages Revolut caused me so far by having XXXX $ taken away from me for almost a month now in this current complex global economic situation they are fraudsters and the more I read online the more concerned Im about my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX APPLICATION # XXXX Dear Wells Fargo Bank I am writing to formally request to opt out of certain provisions outlined in 15 USC 6803 , which pertains to the sharing of nonpublic personal information about consumers by financial institutions. After careful consideration, I have decided to exercise my rights under this regulation to protect my personal information and privacy. 



As per the requirements of 15 USC 6803, please consider this letter as my formal request to opt out of the sharing of my nonpublic personal information with non-affiliated third parties. I understand that by opting out, I may limit the marketing communications I receive from your institution, but I am willing to make this choice to safeguard my privacy. 



Please acknowledge receipt of this request in writing and confirm that you have processed my request to opt out as soon as possible. If you require any additional information or forms to complete this process, kindly let me know. 



Thank you for your prompt attention to this matter, and I trust that my privacy preferences will be respected in accordance with the law. 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
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:
1 ) M y husband and I moved to Nebraska where Bank of America does NOT have any branches, and I have had technical difficulties setting up auto debit from an external checking account. As a result, I have been charged late fess, my credit limit was lowered, and I believe derogatory information was sent to the credit reporting agencies.      2  ) Auto-debit ( including from third party checking accounts ) is a feature that is advertised on their website.      3 )  I have made many good-faith attempts to set this up on the website, and my last attempt was on  XXXX   XXXX  where I used the online chat feature on the Bank of America website.      4 ) I  gave the operator my routing and account numbers for our  XXXX  checking account.   I requested that he/she debit the payments due from that account, and to setup auto-debit to have recurring payments from said account.   But this did not occur due to " lost network connectivity '', per the phone conversation with "  XXXX  '' and my husband on  XXXX   XXXX .   When I saw that the payments did n't go through as expected in  XXXX , I tried calling the Bank of America number several times, but the hold time was too long ( more tha n 30 minutes ) 5 ) My hu sband finally reached Bank of America on the phone on  XXXX   XXXX  with  XXXX  and the credit card accounts are now current.

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 2020-03-23
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lateS is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-10-23
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The Bilt credit card by Wells Fargo withdrew my rent payment from my checking account without my consent on XX/XX/2023. The rent payment is usually charged to the credit card itself, and I never turned on a feature or agreed to having the money debited from my bank account directly. My checking account is now overdrafted by thousands of dollars and I will be charged overdraft fees/ can not take cash out of an ATM. I reached out to them immediately and their customer service was of no help, saying they had to escalate the case, but in the meantime my checking account is tied up. Based on other online forums, the same thing happened to multiple other cardholders so there is an issue with their system. It is unacceptable to say the least.

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 2023-11-12
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Deficiency balance after repossession

Complaint:
I had my XXXX repossessed in XXXX of 2021 while laid off from work due to XXXX and those idiots at Regional Acceptance new it didn't work with me so they came and got my car while I was shopping at XXXX. XXXX years and now I barely find out from a private XXXX, I hired to find out who is stealing my identity using my Social Security and falsifying that their myself when I just barely found out that these Fraud punks that I'm going to sue are behind it. I tried to get a Credit Card after being approved with a certificate number comes to find out my Credit is worse than before I filed Bankruptcy these idiots in XXXX California XXXX XXXX XXXX XXXX XXXX XXXX I don't know who the F they a Brokers or Insurance company all I know is I'm going to sue them. So today I finally after months and lots of money my private I 's gave me what I wanted and that is who my identity was stolen by and it's those XXXX in XXXX they repo my car now there trying to scam for more money and ruin my credit, even more. There also behind the hacking thats been going on with my XXXX network they have all my private information. There behindf me not getting my unemployment during XXXX they were extortionists fraudulent scammers comne to find out XXXX of those XXXX have a towing service I want this off my XXXX credit reports ASAP. I want to sue XXXX, XXXX and XXXX for following in gthe foot steps of scammers there idiots who all the executives should be jailed and F XXXX up.

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 2023-04-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Creditor Name : XXXX Date : XX/XX/23 Action : When contacting Equifax to remove inquiry they said to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: Experian Information Solutions 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:
There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me..XXXX XXXX XXXX and XXXX 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 explanation
Consumer complaint received 2017-05-12
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Since  XXXX    XXXX   I have applied for a reduced payment plan for my private student loan because the payments are extremely high and I do not make enough to cover the payment. This resulted in a lower interest rate on the loan. I have to reapply every year, which I do, starting in  XXXX . I submit all of the required paperwork and I start calling at the end of  XXXX  to ensure that Navient has received the required paperwork. This year, I submitted all of the required paperwork in  XXXX . I called the first week of  XXXX  and was told that it was too early for me to call and reapply and that they would not help me at that time. Someone then called me  XXXX   XXXX  and said I needed to reapply for the reduced payment plan. We started the process and then halfway through, she said that she could not help me because I had to wait until  XXXX  to reapply. I informed her the plan expired at the end of  XXXX  and the paperwork I received stated that I have everything completed by the end of the month. She said there was absolutely nothing she could right now and that I had to wait until  XXXX . She then told me that she would call me on  XXXX   XXXX  and actually scheduled an appointment with me. However, I never received a call back  XXXX   XXXX . I called Navient on  XXXX   XXXX  to discuss my application. The first person I spoke to on  XXXX   XXXX , tried to tell me that I had a past due balance of over {$900.00} because  XXXX  's payment never processed. When I log into the website, it shows that the payment for  XXXX  was received. I also have emails and bank statements showing the payment was posted. When I asked her to please check the records again, she 'accidentally ' hung up on me. I called right back and got someone else. She tried to tell me that I had a past due balance of over {$500.00}. When I asked for clarification on where she was getting that number, again, I was 'accidentally ' hung up on. I called back again, again, got someone else, who told me that I could not apply for the reduced payment plan. When I told her that 's not what I was told in  XXXX  and  XXXX  and could she please check on the requirements, again, I was 'accidentally ' hung up on. I can not get anyone at Navient to give me the same answer, every person I spoke to gave me a different amount of what was owed, NONE of which matches what is showing as due online when I log into my account. It is IMPOSSIBLE to get anyone there to answer my questions and I do n't know what to do. Any help with this would be greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 disputed the following fraudulent inquiries on my report a few times before in accordance with FCRA, all to no prevail. It is written within FCRA law that if such companies can not present physical documentation then the disputed items shall be forever removed. I have disputed the following and no one presented any physical verification but yet the 3 major credit bureaus still reported as being true. But still no physical evidence inwhich is in direct opposition of the law stated in FCRA. The following disputed inquiries are XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX, Transunion ( XX/XX/XXXX ), XXXX  XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), and XXXX XXXX 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 explanation
Consumer complaint received 2018-02-28
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was set up with a payment plan to resolve my debt. I made all the payments to the creditor on time and should have ended my debt in XXXX of XXXX. 

Creditor says they did not cash a check in XXXX of XXXX. I have proof they did. 

In XX/XX/XXXX I received a notice that the creditor was going to garnish my wedges. 

I have tried to contact the creditor to resolve this issue. 

Creditor took money from my paycheck on XX/XX/XXXX.

Company response to consumer: Closed with explanation