BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-09
Company: JPMORGAN CHASE & CO.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Chase, I would like to report Credit Card Account ending in XXXX in my name ( XXXX XXXX XXXX ) as fraudulently opened. 

I did not authorize this account to be opened in my name and ALL transactions on this account were done by XXXX XXXX an extended family member and were done without my permission and, therefore, were fraudulent. 

Furthermore one of my many bank accounts were used for all the payments for this credit card account, therefore, I would like all payments made on this account returned to my Bank Account given said transactions were made without my permission and the account was opened in my name without my permission as well. 

Please immediately mark all transactions on this account as fraudulent as well as remove me from being liable for this account, and return all payments to my bank account used for the chase credit card account, and mark the creation of the account as fraudulent and as it being an account opened having stole my identity. 

Thanks. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My keybank card, for collecting my unemployment benefits. Was lost around the XXXX of this month. I went to check my benefits and all my money was gone. I call keybank custom service to inform them I lost my card. They informed my that this card has been used in XXXX and XXXX XXXX this person use my card and stole XXXX $ for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: SANTANDER HOLDINGS USA, INC.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
XX/XX/2022 the XXXX is XXXX, this is not my account, please remove it for my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Ive paid this account off many times through the XXXX yrs the account has been open, currently with a XXXX balance for few months, it was closed on XX/XX/2023 for I was told in part that the " scoring system they used to predict your creditworthiness ''. You cant predict anyones credit worthiness! I find that discriminatory!

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 2022-03-01
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, 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:
On or about XX/XX/XXXX, EXPERIAN CONSUMER FRAUD DIVISION was contacted to validate, correct, remove or otherwise modify in credit report that was negatively impacting me. 

On or about XX/XX/XXXX, EXPERIAN CONSUMER FRAUD DIVISION was contacted vis US CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX, again to validate, correct, remove or otherwise modify in credit report that was negatively impacting me. A copy of the letter sent to the credit reporting agency is attached. 

As of today, XX/XX/XXXX, EXPERIAN CONSUMER FRAUD DIVISION has and continues to harm, damage, and injury to the ESTATE belonging to Consumers business affairs, by continuing to publish invalid address, phone numbes, employment history, and credit account ( s ) not used or owned by consumer.

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 2021-04-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase Bank and I had a misunderstanding, which I called and explained RIGHT away once I realized it. I was packing to move and found XXXX cards that must have tightly closed again because they were in a box underneath heavy items. 

I tried to deposit the check because I had no idea if I had done so already or not since the card was closed. 

I realized it was a mistake and notified Chase immediately. NONE of the funds were deposited into my account as Chase put a hold on the deposits. They claim the money was deposited, which is why they refuse to let me take MY $ XXXX funds out of my Chase Checking Account that is MY money. 

Chase apparently required " documentation '' ( although I was not told this until about a week ago and, mind you, this happened months ago. I called every day basically and no one would respond to me. 

I can not open my app for statements because Chase shut down my online app without notifying me. 

See attachments. 

This is a shady bank, in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize nor give consent. 15 usc 1681 602 A state I have right to privacy 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account or inquiry without my written instructions. 

Experian has the following inquiries I want removed Immediately. 

XXXX  XXXX XX/XX/22 Experian XXXX XXXX XX/XX/22 A paystub and passport have been uploaded with complaint for ID purposes.

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 2023-06-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
During the pandemic, my account was transferred to Carrington Mortgage Services. After fighting tooth and nail I got them to process a modification on the account. In XXXX, due to everything that was going on I was able to qualify for my mortgage to be paid for 18 months by the. The payments are made directly to Carrington but instead of applying the payments accordingly to my account, they have made a bunch of random payments and fees causing my account to not balance correctly. Now my account looks like it is two months behind but it is because the payments were inappropriately or not even applied to the account. I believe that there are some issues with their accounting and how they are applying those payments. I could tell where a portion of a monthly payment was taken and an entry for curtailment was entered instead of being applied to the monthly due causing the payment to be not only late but short of the monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I inquired about sneakers for sale on an XXXX account called XXXXXXXX XXXX XXXX. I messaged back and forth and was told that they had the pair of sneakers I wanted in stock and that I just needed to transfer the cost of the sneakers through Zelle. I was given the person 's name and phone number and used Zelle to send them {$150.00} for the sneakers. I gave them the confirmation that the money was sent and they provided me with a tracking number. I asked them why the tracking hadn't moved him the Label Created stage and they closed the XXXX account and I could no longer communicate with them. I trusted them because they had a copy of their LLC Agreement on their page.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 my complaints about certain credit as I listed in my letter and affidavit about them fraudulently placing their tradeline names on my credit report. I have shown the Trans Union how legally, the alleged amounts, the trade line names, and alleged late payments by these FDIC banks all fraudulent based on laws and process that these alleged loans take place. All the banks and any entity that has purchased the alleged debt are doing so fraudulently. They act as if they have lent something of value to place their tradeline name on the credit report. FDIC banks can not lend their on assets or become surety of someone elses money. This would mean the banks are acting Ultra vires. Yet Trans Union has not done a legal verification of this alleged creditors and taken them off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX, XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: United Group Inc.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
My husband and I purchased a vehicle in 2022 for XXXX. We put down XXXX and purchased a warranty. We agreed to a 12 month loan. We ended up with a loan of over XXXX which does not add up, and now a year later owe more than the car costed. We were told to sign here sign there and the terms changed after we signed. This is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've written the company and asked for the original contract with my signature, the creditors information, an itemized billing associated with the account and billing history and proof of ownership. None of these were provided by the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, Thank you for taking the time to read this. 

One of my credit cards, issued by TD Bank, seems to " forget '' sending a bill about once a year. I am a meticulous payor, I pay all our bills on time and in full, as evidenced by our XXXX credit scores. The reason why I am reaching out to you today is my concern that is TD is attempting to game consumers by simply not sending paper bills about once a year and cash in on interest fees, late fees, etc. We have different accounts with TD for many years and the experience has been overall satisfactory, however the credit card division leaves a lot to be desired. If what I suspect is true, I can't be the only consumer experiencing this. This is the second year this has happened, and it results in about {$100.00} of fees. 

I hope that you can investigate this type of suspected fraud. 

XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-17
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was offered a payment in the amount of {$3700.00} by XXXX XXXX with Wells Fargo Remediation in XXXX of XXXX, a check was supposedly sent, intercepted by another party and cashed in my name. An affidavit was filled out in re, investigated, funds returned to Wells Fargo. A replacement check was then sent, supposedly, around XXXX or XXXX of XXXX. I moved in XXXX of XXXX, anything sent to old address would not be received, this was detailed in prior complaints about this matter .... Wells Fargo reps replied by stating they were given verified address, apparently refuse to investigate. They have not shown anything stating what address they were provided, no proof I am aware of. Having said that, their reply appears to be bogus and an attempt to avoid addressing issue. Further, they have reported both payments to IRS, I was sent a XXXX form for each payment, neither received. IRS will audit my returns as payments were not reported on them, this will cause additional taxes and interest owed. Also, a mediation payment amount of {$500.00} was not received, also sent to old address. Wells Fargo reps attempted to refer to an agreement of this amount which they claim was sent to old address, signed by myself when it was in fact not. I moved on XX/XX/XXXX, mail is forwarded and no payments from Wells Fargo received or any agreements.

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 2023-05-20
Company: Block, Inc.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the following dates ( below ) XXXX XXXX withdrew funds from my Cashapp card that I had on file for the bank without my authorization. Ive opened a dispute with Cashapp on XX/XX/XXXX and Cashapp customer service is refusing to refund me my funds for the unauthorized transactions. 

The dates and amounts of the unauthorized transactions are as follows : XX/XX/XXXX for {$48.00} XX/XX/XXXX for {$32.00} XX/XX/XXXX for {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: LA
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 submitting this CFPB Complaint requesting that the Credit Bureaus to remove the previously disputed items that are being reported on my Credit File. These accounts are unknown to me. Also, the information that some Credit Bureaus provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, please remove the disputed accounts and inquiries completely from my Credit File. 

XXXX XXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$910.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$55.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX. Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft.

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 2023-03-29
Company: Experian Information Solutions Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately 1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

4. The inquiry was not authorized XXXX 'S Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

6. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!

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 2021-04-17
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern. 
I am submitting a complaint against Mr. Cooper. Mr. Cooper is stating there was not sufficient funds in my bank account when they attempted to withdraw my auto-payment on XX/XX/XXXX. This is not true. See timeline below for details. 


1. On XX/XX/XXXX I received a letter from Mr. Cooper indicating my auto payment had been stopped for a reason indicated as other on the letter ( see attachment ). I spoke with a Mr. Cooper rep who indicated there were insufficient funds on the date your company attempted to withdraw the payment from my account. See first attachment of my XXXX XXXX XXXX XXXX account statement for XX/XX/XXXX. You will see there were sufficient funds in my account. 
2. According to XXXX XXXX XXXX XXXX ( my bank ), they have no record of a request or attempt to withdraw funds. My credit union explained that I have overdraft protection on my account. Which means, if Mr. Cooper attempted to withdraw funds, my bank would have permitted the withdraw. If this would have happened the credit union themselves would have penalized me for insufficient funds at the time the withdraw was made. As you can see on my bank statement, there are no penalties for insufficient funds in XX/XX/XXXX. ( see attachments ) 3. I made my mortgage payment as soon as I learned of the issue. See mortgage payment withdraw on XX/XX/XXXX. 
4. Please note that my XX/XX/XXXX mortgage statement indicated payment was received on XX/XX/XXXX. The XX/XX/XXXX statement would have been the first statement or communication I would have received that XXXX mortgage payment was received. 

As soon as I received the letter I made the mortgage payment. I reached out to my bank who confirmed no attempt was made by Mr. Cooper to withdraw funds from my account. You can see there were sufficient funds in my bank account. 

I am in the process of refinancing my home and this has been a major set-back in the process. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, 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:
Credit card account not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I extended my credit more oncewith AMERICAN EXPRESS COMPANY ( AMEX ) and they received consideration for this transaction. In return I received an adverse action letter saying i was denied the use of credit i already extended now showing a pattern of actions that are adverse to me. 
The agreement I was provided never had an option for me to opt-out and maintain my private non public personal information from being shared with consumer reporting agencies pursuant to the XXXX XXXX XXXX XXXX. The terms in the transaction that i applied for online is an agreement that is contrary to public policy. The agreement they had me fill out online is proof that this transaction would be complete only, if I would agree to an extortionate extension of credit. it was undue influence that made me complete that unconscionable agreement that i filled out because i was left with no other options. The online agreement was prepared long before i decided to extend my credit with AMEX. I should have been provided any kind of contract as those intentional actions violates the XXXX XXXX XXXX outlaws any contract, conspiracy, or combination of business interests in restraint of foreign or interstate trade. this agreement allowed unjust enrichment.

Company response to consumer: Closed with explanation