BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX received a text message from Chase Bank requesting an approval for a transaction. After XXXX XXXX XXXX XXXX  replied, No, a Chase Bank representative called XXXX and alerted her that someone was trying to attempt a wire transfer to attempt a wire transfer of {$15000.00} USC as well. The Chase representative identified himself as XXXX XXXX # XXXX. After a series of prompts through text message XXXX explained to XXXX that, my supervisor XXXX XXXX # XXXX would also be in contact when everything is complete. On XXXX XX/XX/XXXX, XXXX re-contacted XXXX at XXXX hours central standard time and related that there was another attempt of a {$10000.00} USC wire transfer. XXXX proceeded to explain to XXXX that she would have to obtain a new account number and account balances and would be transferred to the new account. On Monday, XXXX XX/XX/XXXX, XXXX was contact by XXXX and then transferred to XXXX XXXX. XXXX received a text message requesting the username and password of her Chase Mobile application in order to transfer her bank account numbers to the new account that was set up. XXXX gave the information. XXXX then asked, When will I have access to my new account numbers and other information? XXXX responded, XXXX. Meaning XX/XX/2022. All calls that XXXX received from XXXX XXXX and XXXX XXXX were from XXXX. On Tuesday, XX/XX/2022, XXXX called Chase and the representative stated that she did see an alert for the wire transfer of {$15000.00} USC. On Wednesday, XX/XX/2022, XXXX called Chase customer service. The Chase representative informed XXXX that there was not any indication of that her account was frozen or flagged for fraud activity. XXXX was immediately directed to visit a Chase Bank because there was a large amount of money withdrawn from her account. On Friday, XX/XX/2022, XXXX walked into Chase bank and continued the process to block and close all access to her bank accounts. XXXX and a Chase Relationship Banker reviewed her accounts and noticed that from her Savings account there was a total of {$100000.00} USC withdrawn from her account. At which point, the Chase Banker contacted the Fraud Department at Chase and initiated an investigation. This is investigation is pending at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have sent correspondence to equifax multiple times with no response to the inaccuracies on my report. I have sent one letter without police report and another letter with 2 police reports in order to clear this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Army and Air Force Exchange Service
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Payments to the XXXX XXXX has been continously made since the account has been opened. The full amount for each month/billing cycle was not made but at minimum half the amount was received. The XXXX XXXX wrote off my account and sent the account to a collection agency XXXX XXXX XXXX - XXXX. The XXXX XXXX is still receiving payments for this account. The wrong amount has been transferred to XXXX XXXX. They are both trying to collect on the same account with different amounts. I received no notice of the transfer of debt. Only my monthly billing statement from the XXXX XXXX whom send confirmation of payment being received.

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 2020-01-23
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied American Express XXXX XXXX and Delta Sky miles Platinum Credits card. After I spent enough money in my credit cards in 90 days. They refused to give my rewards. Different CSR said different reasons. But after three month, I didn't get any notification about refusing my welcome bonus. They said that my account declined my bonus on the first week. But I don't know at all. I tried to contact them many times. But no one can give me a real reason. Also, I don't have pop window at all when I applied my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I found that under section 605b ( a ) Transunion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This account is unknown to me. Also, the information you provided on this account is 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. 
XXXX  XXXX Date Opened : XX/XX/2013 Balance : {$4100.00}

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 non-monetary relief
Consumer complaint received 2023-01-18
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft I filed a report with the federal trade commission and let the credit bureaus and collection company know and attached the report to my dispute. all but XXXX has not removed the debit collection from my report. I filed over XXXX disputes attaching the FTC I didnt identity theft report and still its not been removed from 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 2020-05-29
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/2020, I used by Citibank mobile application to pay my credit card balance. My bank is Citibank and the credit card company is Citibank XXXX XXXX. 

Problem : The day I authorized {$8000.00} from my Citibank checking account to Citibank XXXX credit card, I had experienced a systems glitch. Specifically, when I pushed the submit button, the system crashed and I had to resubmit the request. However, unbeknownst to me, the system had duplicated my request and withdrawn double the amount of my intended payment. Hence, {$16000.00} was requested from my checking account. This caused an overdraft of my checking account and caused an insufficient balance penalty. 

Request for CFPB : I request that this department investigate the Citibank 's mobile application that allows duplicate payment without verification. In my case, the systems glitch in Citibank 's mobile platform allowed a duplicate payment to be made within a minute of each other. 

Additionally, Citibank XXXX Credit card company has made things difficult by not helping with the insufficient funds penalty. Rather, the supervisor for the credit card told me to contact my bank directly to ask for a fee waiver even though the problem arose with the systems issue with the credit card.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 XXXXXXXX has all 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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-05-27
Company: Experian Information Solutions 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:
To Whom it May Concern : I have been trying to get help from XXXX XXXX XXXX and all 3 of the Credit Reporting Agencies to assist with removing the 3 late payments that are being reported by XXXX XXXX XXXX. I have a document from XXXX  that states they will remove my late payments and treat them as current. This was part of the " Temporary Reduction In Payment '' ( TRIP ) Agreement. I was sure to make my payments per the agreement, and have been current since the date of the letter. Yet the creditor and the reporting agencies have not taken my complaint seriously. Please see my attached documentation. If you have any questions or concerns, please feel free to call or email me. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX. 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 2020-07-28
Company: Experian Information Solutions Inc.
State: KY
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:
THERE ARE SEVERAL ALLEGED COLLECTION AND CHARGE OFF ACCOUNTS AS WELL AS UNKNOWN INQUIRIES SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA XXXX AND XXXX IM DEMANDING THE REMOVAL OF THEM

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 2018-09-27
Company: EQUIFAX, INC.
State: CA
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 have been paying for a monitoring service from XXXX XXXX XXXXXXXX for the past 2 years and I have not been able to get all 3 scores only XXXX .... but I am still being charged every month. Despite the excessive hold time .... I still call them and I am being told that Equifax does not have my correct social security number. I have called Equifax and they have not been able to assist me even after I have sent them a copy of my social security card and my DL. I can't get my score from XXXX either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
My card was closed by mistake and I tried to have it opened. They said sure no problem we could open it, then they told me they can't because they no longer offer this card but otherwise we would be able to open it. 

This is a complete lie, see link below that the card is still being offered : https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Servicer, SPS, sending information on forebearance coming to and end. No date of when forebearance ends is provided. During forebearance, SPS is also pursuing foreclosure action in violation of Dual Tracking laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: FCI Lender Services Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the COVID-19 pandemic, I and my spouse lost income and revenue to pay for our mortgage and other debt payments. I notified the current first mortgage lienholder and was working with a person named XXXX. He requested I write a Letter requesting assistance, which I did. Then another person named XXXX requested we resubmit the letter along with a Personal Financial Statement and copies of our tax returns. We complied. XXXX informed us that he would help us with a Loan Modification request, but once XXXX entered the picture, we were informed XXXX was no longer with the company. XXXX also led us to believe he would help and work on a Loan Modification, but instead he issued a Notice of Default. 

We feel he has violated and breached the covenant of negotiations in good faith. 

We are requesting assistance via a Loan Modification of our current loan.

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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-16
Company: Maximus Education, LLC dba Aidvantage
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
There is an unexplained {$470.00} charged that has no basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
For several months I've reached out to the CRA '' S with over 4 letters to remove a bankruptcy from my credit report. The account has not been investigated properly and it was not verified by the furnisher of this information. Public records have to be verified by furnishers of the information as any account listed on a credit report. They have failed in their duty. I contacted the courthouse and I was told - they do not verify with any credit agency. They even sent me a letter to confirm this fact. I have attached a letter to this compliant. Information on my credit report has to be verified with the actually furnisher and not a third party. The CRA 's are using third-parties ; thus, they have inaccurate information - and unverified. Delete the bankruptcy - you are in violation of the FCRA.

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 2023-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I didn't authorize or give permission for my credit to be process for hard inquiry by these companies and would like for this information to be removed. While getting my oil XXXX  XXXX a salesman approached me asking if I was curious to possibly receive an upgrade. I said i'm in the process of buying a home and I don't want any hard inquiries on my credit report. He assured me that I will not get any hard inquiries and he was just going to run my information in house on a soft pull to see what I was eligible for. He became pushy and aggressive trying to force me into signing paperwork for a sale that I didn't want. I rushed to the service area to get my vehicle and immediately left because I was angered at the way I was being treated in that dealership. I later saw the hard inquiries on my credit report and returned asking him why did he lie to me. He laughed in my face and called me stupid. I asked to speak to a supervisor and request to receive a copy of the document that they said I signed giving them permission to run my credit. No document ever existed because I never signed anything. This dealership was unwilling to provide a simple statement in a letter for me to remove the Inquiries off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have contacted XXXX XXXX XXXX several times to try to get a lower payment because i knew my interest was very high and my car was in an accident and even though my car was sold I still owed a very high balance. I have a couple of friends who are not XXXX and their payment was not as high as mine nor was there payments that high. I have been approved by XXXX XXXX XXXX Corporation Settlement for discrimination but this is still on my credit report. I read the contract and it said I had to pay over {$400.00} a month and the price had had jumped to {$29000.00} and some. I went to the dealership and I spoke to the salesman about the figures and took me to the finance department and the finance manager said that he explained to me about the price and still said that it was too high and he said that he will try to see what he could do. I advised I thought this was a loan with a XXXX interest and I was told that my payment should be no more than {$250.00}. I feel like nothing was explained to me correctly and they took advantage of what I didnt know.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, 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:
XXXX has been discharged previously and post discharged inform not reflected on my credit report. 

The post discharged has been going on for over three years now.

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