BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I presented to XXXX XXXX XXXX XXXXl where Chase advertised that Chase card members who use their Chase card tonpay would receive 20 percent off of concessions. There was no asterisk directing me to fine print or disclosures on the menu board. I found out after the purchase when an employee told me. I am visuly impaired. I rwmoved my eyeglasses and found in the smallest font using a very thin font not bolded language that said " exclusions apply '' but did not say what the excluaions were. The next sentence said alcohol excluded. I didnt puchase alcohol. There are no refunds. 

Under New York State law, I am entitled to triple my damages of {$58.00} or {$170.00}. Under New York City Ordinance, I am entitled to {$500.00}. This is in addition to any Federal penalties. Respondent should take under advisement that complainant is an employee of the pharmaceutical industry and very familliar with regulations governing use of fine print and making said fine print accessible to visually impaired external stakeholders.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-30
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:
On XX/XX/XXXX I filed a Fraud Report with my local law enforcement agency and sent the police report via certified mail ( XX/XX/XXXX ) regarding numerous inquiries found on my Equifax report. Equifax refuses to remove the fraudulent inquiries. I also made a phone call to them and spoke with the Fraud Department and they confirmed they received my police report but stated they confirmed the inquiries were " Factual ''. I have received no written communication from Equifax regarding the status of my requests to remove the fraudulent inquiries. The other 2 bureaus have removed the inquiries except Equifax. Equifax can not and will not show proof how they concluded their " factual '' investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019 I had filed two claims with Bank of America. The Claim numbers are XXXX and XXXX and were closed and resolved so they put the money that was stolen by fraud to my account. On XX/XX/2019 they withdrew without first letting me know XXXX, claiming that the amount was duplicated and left my account with a negative balance. This should have not happened because the claim was closed and everything was final. On XX/XX/2019, they took out another debit of XXXX for the same thing without letting me know and my account went into a negative balance and both amounts were from claim XXXX. If a claim was resolved and closed and the bank made the mistake it not fair and wrong for them to come and take money out from my checking account without first letting me know what's going on. That is why banks have insurance to cover fraud protection and like I stated earlier, the claim was close and resolved. It has been a stressful and hectic time for me because I have been a customer of the bank for 19 yrs. I called and they keep connecting you to people who don't know anything. On Friday, XX/XX/2019 I spoke to a supervisor named XXXX and he agreed that the bank was at fault because the claims were closed and resolved. I used the money to pay bills because they said it was closed. Now they come and withdraw when is this issue going to stop. I am scared and stressed and cant sleep because the total for the both withdrawals is XXXX. I am XXXX and don't have that kind of money to be getting back I am in debt with my son to have to deposit that money so my account wouldn't go into default. I really need help because I feel that the bank is trying to cover themselves for there own employees mistakes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: FL
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:
( XXXX ) XXXX XXXX XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show XXXX in 14 days - please remove inquiry. ////// ( XXXX ) XX/XX/XXXX - XXXX  XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. ////// ( XXXX ) XX/XX/XXXX, XXXX - XXXXo reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( 5 ) XX/XX/XXXX - Equifax XXXX No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XX/XX/XXXX - Equifax Mortgage - XX/XX/XXXX - Equifax Mortgage - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show XXXX in 14 days- please remove inquiry. ///// ( XXXX ) XXXX XXXX- XXXX XXXX  - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XXXX XXXX, XXXXXXXX XXXX XXXX Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XXXX XXXX, XXXX, Equifax Mortgage - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( 10 ) XXXX XXXX XXXX - XXXX  - XXXX XXXX, XXXX, XXXX XXXX Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
These companies refuse to remove inquiries that I did not authorize Transunion XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30
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:
I am a Victim if Identity Theft all of my information including my address, phone number, email addresses, social security number, bank account information, along with other personal information have been compromised.My personal information has also been exposed to an Equifax data Breach and also a XXXX  data breach. My personal information has also been exposed on the dark web.There are several inquiries and accounts that i am not responsible for.The accounts that i am responsible for have been Greatly affected by this situation including several of my personal accounts in which i pay bills with.According to the Fair Credit Reporting Act it is within my rights to dispute any Incorrect information or derogatory remarks including Late payments.I have tried to settle this matter with several companies because it has greatly affected my family and i during this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hi, This account has been open since XXXX. The account was closed in XXXX. Collection activity was started, and XXXX bought this account as a charged off debt. This account was not closed and reported to the credit br in XXXX. It was opened in XXXX with a debt of XXXX which doesn't even match the 1, XXXX they are reporting. This accounts last activity was in XXXX. This account is more than 9 years old. The last purchase date was on XX/XX/XXXX. I just pulled off all of this information from XXXXXXXX XXXX portal with the order history, and description of items purchased. It needs to be removed from my account. The charge off and the XXXX XXXX XXXX reporting. Please see the submitted documents. The account needs tin be removed.

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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$660.00} ; XXXX XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30
Company: WELLS FARGO & COMPANY
State: NC
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 was selling a dress on XXXX marketplace in the first week of XXXX for XXXX $ and received an offer from a XXXX user. They sent me an email ( that I found out later was a scam ) that looked like it was from XXXX ( the agreed upon method of transaction ) to make it look like they had completed the payment. I did not realize at the time that the email was fake/ a scam, and after I had already shipped the product I got another email that said the buyer of the product would have to send another XXXX $ on top of the XXXX $ they paid for the product because of " an issue with XXXX account limit '' and that I would not be able to have the XXXX $ deposited into my XXXX account unless I showed proof of refunding that extra XXXX $ to the buyer. The buyer contacted me saying they would pay the extra XXXX so I could supposedly get my XXXX $ payment for the product deposited into my account and that I should send them proof of refunding the extra XXXX they paid supposedly because of the account limit issue. I thought I was refunding them for the extra money they had supposedly paid so I could get my payment funded to my account, but it in fact was a scam and instead of receiving my XXXX $ payment for the item I paid XXXX $ to the scammer. I disputed this charge that was made through XXXX through my Wells Fargo account and they denied the dispute. I believe this falls under the consumer protection laws for regulation E and would like this report to be sent to my bank in hopes of them refunding my money because of a scam.

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 2022-01-30
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan was in Covid19 deferment through XX/XX/2021. Now, they are demanding all of the payments due at once, a total of {$55000.00}. My latest bill says that I am 657 days delinquent on my mortgage, as though there was no deferment and I simply made no payments. I have submitted paperwork for assistance 3 times and was told after the first two times that they had not received anything, even though I received a confirmation email from their system. 
I do not understand how it can be considered a deferment and still show as delinquent payments for the entirety of the time period.

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 2022-06-14
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: NV
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:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$660.00} ; XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The company is reporting negatively on my credit report. The company didn't fully disclose information about this alleged debt upon signing which makes the contract null and void. I want the items removed off my credit report. I do not give my consent to this company to report on my credit report. I have a right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX {$220.00} XXXX   XXXX {$2700.00} XXXX  XXXX {$2700.00}

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 2022-01-30
Company: PNC Bank N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
We received a {$50.00} PNC prepaid/gift card for taking part in a study. The documentation we received stated that there were no ATM withdrawal fees from PNC ATMs, so we went to one nearby and withdrew {$40.00} ( multiple of {$20.00} ). They charged us a {$2.00} fee anyway.

You can't call them because they charge {$2.00} to talk to an actual human. You can't go to a teller because they charge {$5.00} for any sort of teller-related service with these cards. 

It seems pretty clear to me that the entire prepaid card business model is built on extractive hidden fees, fees for basic services ( like customer support and teller services ) or stealing money from people for failing to use the card within a specified period of time ( in the case of gift cards specifically ). It's insane to me that you all allow this business model to continue to exist. What is the CFPB even for?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian is not reporting a closed auto loan that was in good standing on my credit report. 

In XX/XX/2016 I paid off my auto loan and this loan is supposed to stay on my credit report as it is included in my XXXX credit report accurately. The details are listed below for your review. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX Amount originally financed {$19000.00}

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