BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
Company: U.S. BANCORP
State: AZ
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:
On XX/XX/XXXX I disputed {$6200.00} for services I did not receive from XXXX. On or about XX/XX/XXXX I was issued a provisional credit for {$6200.00} from US Bank. 

I did not receive any request for additional documents, nothing by mail, email, phone, text, or online notification within the US Bank portal, or from XXXX XXXX. 

On XX/XX/XXXX I noticed {$6200.00} was deducted from my business checking account with US Bank. Upon calling US Bank customer service they referred me to their Cardmember Services Department in North Dakota. I was told at that time US Bank had concluded their investigation on XX/XX/XXXX and mailed me a letter which I should receive within 10 days, On XX/XX/XXXX I called Cardmember Services again and explained I had not received any letters and asked that they read me the address on file. US Bank had erroneously mailed both the document request letter XX/XX/XXXX, and the notification letter XX/XX/XXXX to me personally not my business and they did not include the suite number. On XX/XX/XXXX I asked that the dispute be reopened because US Bank did not follow the proper timeline set by XXXX and upon their own admission mailed both letters to the wrong recipient and without identifying the proper suite number. 

On XX/XX/XXXX I received another letter this one mysteriously now included my suite number which was dated XX/XX/XXXX. US Bank now claims that under XXXX Regulations they have no recourse. I have tried making contact with XXXX XXXX but can not get anything but an auto-response stating they have nothing to do with their own cards that banks make their own rules which is a much different story than US Bank . 

After complaining to CFPB, US Bank CEO XXXX XXXX, Chief Legal Council, and every other federal watchdog I could find I received a letter sent to my home address from XXXX, Office of the President claiming the following ; documents received after allotted time frames and unable to assist per XXXX, the responsibility of providing us with accurate mailing address which they had, and finally in the absence of bank error, we are unable to grant your request. 

I have asked XXXX for a copy of their guidelines and they have refused to answer. 

I believe US Bank did error as they were provided a copy of my business documents which included the suite number. US Bank sent the document request and decision letter to me personally and without a suite number but when I filed a complaint the letters magically included the suite number or were sent to my home.

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 2023-04-22
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 I received a incorrectly deposited check in the amount of {$38000.00} This check was accompanied with a deposit slip with my account number hand written by the Chase bank in XXXX Texas. This is the second time this has happened to my account from the same branch. This time CHASE decided the freeze my entire checking account which had over XXXX of my money. I received a notice from my mobil app that my account was {$4300.00} over drawn!! When I checked I had a XXXX balance. I immediately called the XXXX customer service number and was told my account has been frozen due to fraudulent activity and I needed to go to my local branch. I told the person on the phone this was due to their error which was plainly visible in my account and I had no trouble with them removing that XXXX from my account but they had no right to freeze my assets.. This person could not help me and would not let me speak with the team that handles this type of accounting issues. I kept pushing that this needed to be taken care of and after 10 - 15 min of holding she said she would transfer me which the next person gave me the same level of customer service and put me on hold which then the call dropped after 10min of being on hold. I had to call back again and spoke with someone who was helpful and she was able to get them to release the hold on my account and my balance was back to its correct amount before the {$38000.00} mix up that was 100 % Chase 's fault. My issue here is I don't believe CHASE has the right to withhold MY money for something they did wrong and was plainly visible to them. My other issues is what is being done at that local branch to ensure the teller who made this mistake is properly trained to ensure this does not happen again ( since this is twice now ). I feel my rights have been violated as I was not able to access my money and had to fight and persist with chase until this was resolved. I need explanations as to why this happened and if CHASE followed proper procedures on denying my access to my money. CHASE has been in the news serval times with other customers who have had their account drained and had to get the News involved because CHASE does not work with their customers very well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
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:
XXXX/XXXX  is incorrectly reporting to all 3 credit agencies that I was 30 days past due in XX/XX/XXXX. 

XXXX/XXXX  is incorrectly reporting to Experian that I was 30 to 60 days past due in XX/XX/XXXX. 

There are several incorrect addresses reporting on my credit file. Please remove the following incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX/XXXX  is incorrectly reporting to all 3 credit agencies that I was 30 days past due in XX/XX/XXXX. 

XXXX is incorrectly reporting to XXXX that I was 30 to 60 days past due in XX/XX/XXXX. 

There are several incorrect addresses reporting on my credit file. Please remove the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-09-06
Company: EQUIFAX, INC.
State: TX
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:
I terminated my lease ( in compliance with Texas law ) with the XXXX XXXX/XXXX XXXX and moved out in XX/XX/2017. They immediately sued me for roughly one month 's rent ( {$2300.00} ), the case was dismissed by the County Court at the hearing on XX/XX/2017 after I agreed not to sue them for damages. A month later XXXX XXXX XXXX contacted me claiming I owed roughly {$7600.00} to the apartment complex. I provided them with a clear explanation and certified copies of the Court dismissal order, and even gave them a copy of my new lease showing I had  moved out in XX/XX/XXXX. They ignored the information and apparently " bought '' the debt from the apartment company, after which they contacted me repeatedly demanding that I agree to pay at least some of the alleged debt or they would report it negatively to the three credit bureaus - which they did despite knowing the XXXX 's claim that I owed them money had been dismissed by a Court of Law. They continue to report this fraudulent item and I am being harmed. I provided all this information to all 3 credit bureaus but they refuse to remove the fraudulent item from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I'm a victim of credit fraud my identity has been compromised. I don't recognize these inquires please remove from my account. I have a freeze on my report. Please remove these inquires please review the list below. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dispute this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MI XXXX Dispute this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Dispute this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX,, XXXX, OR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a notice of collection from Wakefield and Associated ( acct # XXXX ) in the amount of {$1000.00} indentifying the creditor as XXXX XXXX  XXXX XXXX. 

In calling Wakefield to discern what this collection bill was for, I was informed that this was for medical services provided to me in XXXX. While I have acknowledged that I have received medical services, some of which have been ongoing, I have no invoice, statement, or bill from this specific situation. 

I then called my health insurance company ( XXXX XXXX ) and spoke with a representative ( XXXX ) who said this was most likely from an ambulance ride to the ER that was required. They had not received a finalized bill from the provider and could not determine the amount that I was responsible for or what they would be covering. She said that I needed to contact them once I had received the bill and they could advise on how much I should be paying out of pocket. 

We attempted to call XXXX XXXX XXXX and request the invoice be sent to us directly or to the insurance company and advised I would not be paying any amount until I had an invoice from them for the services. They promised to send that to us on XX/XX/XXXX and on XX/XX/XXXX we still have not seen any invoice. I contacted my insurance company and they also have not seen any invoice. 

I called and spoke with XXXX at the XXXX  XXXX today ( XX/XX/XXXX ) and she advised me that they could in fact, not provide me with a copy of the invoice any longer as it was moved to the collections group. She verified the amount for me ... .. But she said there were multiple attempts to send to my address, and I confimed my address, yet I have not received any of these notices. I requested today if she would be able to email me a copy of the invoice and again was told no. 

She advised I would need to contact the collections group. I told her that we had already contacted them and they also were not able to furnish a copy of the invoice, only the total. At this point, I am planning on paying the amount as I believe I owe and I have very good credit and do not wish for this to be a continued problem. That said, the inability for either the original billing party to provide an invoice to match the payment due or of the collections companny to furnish same, is concerning and frankly I don't see how that practice should be allowed as there is zero protection for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
he company XXXX tried to collect a debt that i never owed with then and the day opened was on XX/XX/2022 for a debt that was never owed with an innacurate amount and bought from another company. when i never signed any documents this debt collector that must be removed as soon as possible. 

In Accordance with the Fair Credit Reporting act XXXX  the Account from, XXXX  account number XXXX has violated my rights. 

15 U.S.C 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 2022-10-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Chase Checking account was " restricted '' with little to no explanation provided by Chase as to why. I was told that I will not have access to my funds pending an account closure review. After visiting the local Chase branch on 2 separate occasions, nothing was accomplished regarding my account. I was told the account would be closed and there will be no appeal process. 

I have now been told I will be mailed a check with my full account balance as it stands. It has now been 10 days and I have not received a check and I am still unable to access my funds. Chase will not answer me at this point and I need my funds as soon as possible. This is ridiculous and I need a response from Chase. 

I will be satisifed if my account is closed and the check mailed in full without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: JPMORGAN CHASE & CO.
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 status incorrect

Complaint:
My Chase Freedom XXXX card previously reported my account 30 days delinquent for XXXX of XXXX I filed a complaint, and demonstrated that I was not delinquent for XX/XX/ and they removed the delinquency. a couple weeks later they reported my account 30 days delinquent foXXXX XXXX XXXX. I filed a complaint and demonstrated that I was not delinquent for XX/XX/. They removed the XX/XX/ delinquency from my report, then a week later they reported me 30 days delinquent for XXXX  again, even after I demonstrated that my payments were on time. Basically they continue to move this 30 day delinquency to different months despite me proving that all my payments were on time. I am attaching proof of my XXXX XXXX XXXX XXXX XXXX payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX - XXXX I applied for the COVID Forbearance assistance from Carrington Mortgage through the VA due to family circumstances during the pandemic. In XX/XX/XXXX we started a loan modification to catch up on my loan. We are now fully caught up and paying on the house as required. In XX/XX/XXXX I reached out to a real estate agent to sell my house due to medical bills accumulated during Covid-19 and had started to look for avenues to sell the house. During the time we had decided that a VA loan assumption would be most helpful due to some damages to the house ( Notably carpet from a rescued cat and a deck that needed to be redone ). We contacted Carrington in XX/XX/XXXX to get pre-approved for my house to be assumed, they ( Carrington Mortgage ) said that they would need some more time to decide due to the previous loan modification. About a week later ( I do not remember the specific time ) they called me and informed me that I would be able to sell my house through a loan assumption and proceeded to send me the paperwork. I received the paperwork in the first week of XXXX, forwarded the paperwork to the buyer, and Carrington received the paperwork on XXXX XX/XX/XXXX. I followed up SEVERAL times ( I have an average of 3 calls per month between then and XXXX XXXX ) asking for a follow up and was only told it was in underwriting. 

On XXXX XXXX the buyer reached out to me asking for information about the loan assumption so I called Carrington and made the Buyer an authorized user on the account so they could receive information. The information she received that day was that the loan could not be assumed due to the loan modification. This was never brought up during these calls when I asked for a status update and the buyer was told this before I was. This caused the sale to fall through and us to pull my house off the market due to the housing market to drop. 

This sale was vital to my family and myself to care for bills that had been accumulated while working through covid, both medical and otherwise, and the sale of the house would have prevented over {$35000.00} in wage garnishments and a further XXXX in debt that it was going to be used to fully pay off. 

Please understand, I'm not upset that we couldn't have my VA loan assumed ( however, after talking to the VA, I was told this would NEVER be the case and ALL VA loans can be assumed ), I'm upset that Carrington Mortgage waited TWO MONTHS to not even contact me to cancel the assumption AFTER I was pre-approved to have my loan assumed. I could have worked with the lawyers in our bills and not have had my wages garnished, but still worked over time to pay them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I recently was denied credit for a XXXX credit card I was told reason for denial was there is 2 accounts that are either paid or unpaid reporting as negative. I was advised to contact XXXX  because I told them that information is incorrect and Ive been trying to resolve this issue with XXXX. Ive written them several times with no response except they will not re-investigate these accounts for me unless I have additional proof. I also tried several times to reach a live human to speak to but thats impossible. I am upset at the fact that XXXX  will not delete or remove these 2 accounts that are reporting negative. It is affecting my credit score and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXXXXXX XXXX and XXXX have 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased a swing set for my granddaughters during Covid. XXXX was the only store that would ship it. I purchased this and paid on installments. Once paid I would receive a fee each year after. I didnt sign up for or asked to participate in this program. They charge me every year and add service charges and late fees higher than the original fee. The account has been closed and the XXXX people credited the original XXXX and Comentity bank told me it didnt matter if it were closed I still had to pay it or suffer the circumstances. This is a scam and my corporate attorney felt they we phishing me for personal information. Im tired of paying this phantom fee. Comentity XXXX and XXXX XXXX XXXX XXXX. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made my payment to Bank of the West on the due date last month. A few days later I get a call asking if I would make a payment because the payment did not go through. I checked my bank account and it had not gone through. I agreed to make a payment again. I was told I would not be charged a late fee. 
I got this months statement and I was charged a late fee. 
Now they have merged with BMO and Im trying every phone number that is listed on my statement to make a payment and I cant get through.

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