BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I received a phone call from JP Morgan Chase Bank a couple weeks ago advising me that I owed money on a Chase accountant roughy {$900.00}. I advised the representative who was calling me from an out of state phone number that I do not have a Chase account and further requested that she transfer me to the correct department to have the account removed from my name and social security number. She was incredibly unprofessional, hostile and rude, threatened to disconnect the phone call multiple times, proceeded to continue asking me for payment and advising me that she was trying to collect a debt, albeit having been advised that the account in question was opened under fraudulent means. Chase has violated federal law by refusing to take the mandated steps to correct this matter. Furthermore, one of my stolen checks in the amount of {$4000.00} was deposited into this account and Chase has refused to reimburse us for this. If I dont receive an adequate response with resolution I will file a small claims lawsuit against JP Morgan Chase Bank to recover my {$4000.00} as well as any further damages as a result of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I posted an ad on craigslist for a mattress for sale in XXXX, New York. A man reached out on XX/XX/XXXX saying he wanted to buy it for the asking price, {$200.00}, and offered {$50.00} extra to reserve it. He told me he would mail me a check immediately that I would have to cash, and then I would have to pay the movers from this check and I would keep the difference. He expressed mailed a " XXXX '' cashier 's check of {$1700.00} to my apartment on XX/XX/XXXX and insisted I pay these " movers '' {$1500.00} as quickly as possible via XXXX or XXXX and that I allow the mattress to be picked up as soon as possible. For the entire process he was pushy and rude. I did as he said and cashed the check and paid this person {$1500.00} ( who I thought was the moving service ) on XX/XX/XXXX and a day later, XX/XX/XXXX the check bounced. I reached out to this man, " XXXX, '' immediately and at that point he stopped responding to me. I called Wells Fargo immediately on XX/XX/XXXX and they could not do anything, saying the transaction had already processed. The following Monday, XX/XX/XXXX, Wells Fargo gave me a call and said there was fraudulent activity on my debit card of {$15.00} and they wanted to alert me. That transaction was blocked and they cancelled this debit card immediately. Right after, I called the XXXX precinct in New York to file an official report and they said that could not be done because where the crime happened ( via my phone and computer while I was at work ) was not local. I called the XXXX precinct ( area where I was working while I paid via my phone ) and no one picked up, so I left a voicemail, and they did not get back to me. I called my financial advisor and he told me to call XXXX. I called XXXX XX/XX/XXXX and I could not even get on the phone with a real person because they insisted it was an issue with Wells Fargo and not them personally. My financial advisor then told me, after there was nothing he could do, to file a report on this website.

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 2018-05-24
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 XXXX This account came back as a verified account and it was not verified by me XXXX XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX XXXX This item was return XX/XX/2016 and the company have been reporting recent late payments on my account XXXX My student loan are in deferment and is being reported late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Seterus, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were in a bankruptcy and had difficulty making our payments. Once we got back on track and started making payments, our payment dates stopped advancing correctly. 
In XXXX XXXX 2016 we were notified by our attorney that we were past due and needed to modify our loan to catch us up. At that time, our payment went up by {$860.00} to catch us up ; we paid that thru the 12 months per the terms. At the end of the 12 month term, Seterus notified us that our payments were 6 months past due. We have made every payment thus far and have not missed a payment ( late but always caught up ) ; we are now facing pre-foreclosure again because they say we are still 6 moths past due. We have explained to Seterus multiple times that according to their activity statement they sent us that the payments were not applied correctly per their attorney 's documents. They refuse to investigate and audit our loan. Our bank statements show exactly how much was paid, when, and the dates. We need help as we are being taken advantage of and can not seem to have anyone to help. I 've asked for a supervisor and upper management and they say they ca n't transfer me to anyone who can help - they say to email and fax in our request which we 've done 3 times already. We 're also being charge fees that were incurred during bankruptcy which we were told are not payable at that time, and now the fees have been assessed. Everything on thier statement from Seterus is inconsistent - I believe their own employees do n't know how to read the statement therefore does not want to help us.

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 2019-05-22
Company: EQUIFAX, INC.
State: MS
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:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are stating that I was late when in fact I wasn't..Please delete this negative information reporting on XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Aspen National Financial, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX at XXXX XXXX XXXX - time share my wife and I were divorced in XX/XX/XXXX the time share was awarded to her in the divorce she died XX/XX/XXXX and the debt reported to my credit on all 3 bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: CHARLES SCHWAB CORPORATION, THE
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I placed an order on XXXX, in XX/XX/2020. The purchase was made using my card connected to my Charles Schwab card ending in XXXX. I do not remember the exact amount of the purchase, but it was around {$1300.00}. I never received the device that I had purchased, and open the dispute with Charles Schwab. The dispute was resolved in my favor, and I received a credit for about {$1300.00}. After, I continued with Charles Schwab for a few more months before eventually closing my account. Sometime after the account was closed, Charles Schwab reversed the dispute without merit, causing the closed account to incur a negative balance of about {$1300.00} plus additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Credit Karma, LLC
State: MI
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:
1. XXXX XXXX -XX/XX/XXXX, customers service would not help and take care of the negative inquiry 2. XXXX- unauthorized inquiry- ( customers service would not help and take care of the negative inquiry ) XX/XX/XXXX 3. XXXX XX/XX/XXXX and -XX/XX/XXXX unauthorized inquiry- ( customers service would not help and take care of the negative inquiry ) 4. XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, unauthorized inquiries ( customers service would not help and take care of the negative inquiry ) 5.XXXX/XXXX-XX/XX/XXXX, unauthorized inquiry/fraudulent ( customers service would not help and take care of the negative inquiry )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: EQUIFAX, INC.
State: MO
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:
My identity has been used by people or persons unknown to me, this assumption comes from items on my credit report unknown to me. I was shocked to see these accounts and demanding that someone his explain this to me or please remove them immediately. I would like to see exactly what was used to get these in my name. Please block these unauthorized accounts. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX  {$4000.00} 3 ) XXXX XXXX {$820.00} 4 ) XXXX XXXX XXXX   {$570.00} 5 ) XXXX XXXX XXXX XXXX {$330.00} 6 ) XXXX XXXX XXXX {$85.00} 7 ) XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion is reporting incorrectly a collection on the XXXX account numbers - XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I have attached two statements from XXXX XXXX that clearly show an accurate payment history of these accounts, with no late payments and no balance due. I have also attached an updated credit score from FICO dated XX/XX/2019 stating TX XXXX  XXXX XXXX account balance went from {$2600.00} to {$0.00}. This incorrect reporting and coding of these line items on my credit report are harming my credit score.

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 2018-05-24
Company: ID Analytics, 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:
Applied for auto loan at end of XX/XX/XXXX and received a letter on XX/XX/XXXX from XXXX XXXX explaining why i was rejected by them because of a report from XXXX XXXX XXXX. XXXX XXXX XXXX reported a credit score of XXXX for me while other reporters are showing XXXX ( XXXX ). I had not heard of this company " XXXX XXXX '' and do not feel comfortable sharing my social security number or other personal details to see their " report ''. I have tried to call them multiple times to dispute the false information but every time I am only able to reach a voicemail box. From what I have read online this company has done similar things to others, possibly to give banks a reason to charge higher interest rates. Please do something to get them to stop preying on people and help me get my credit restored.

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 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My identity has been used by people or persons unknown to me, this assumption comes from items on my credit report unknown to me. I was shocked to see these accounts and demanding that someone his explain this to me or please remove them immediately. I would like to see exactly what was used to get these in my name. Please block these unauthorized accounts. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX {$4000.00} 3 ) XXXX XXXX   {$820.00} 4 ) XXXX XXXX XXXX {$570.00} 5 ) XXXX XXXX XXXX XXXX   {$330.00} 6 ) XXXX XXXX XXXX  {$85.00} 7 ) 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 2019-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Prevalent DAILY Institutional XXXX has reared it's UGLY head once, again on it XXXX XXXX platform!!! XX/XX/19 {$2300.00} in the form a CASHIERS CHECK ( attached ) from the XXXX XXXX XXXX XXXX  XXXX XXXX that I purchased XX/XX/19 was deposited into my checking account. Was sent a insufficient fund notice on XX/XX/19 from B of A stating my account has insufficient funds, and that NONE of my transactions which ALL are/were mortgage payments were declined, and that I also have incurred NSF charges! 

No where on the attached deposit receipt does it state that my deposited funds were going to be held up until XX/XX/19, as stated on my account statement. In fact the deposit receipt cleary is stating that credit pending posts on XX/XX/19! 

Again, this is B of A laying down the XXXX  XXXX institutional XXXX that they, and the predatory lending institutions in this country are founded on ...

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 2019-10-01
Company: CITIBANK, N.A.
State: VA
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:
Two fraudulent accounts were opened on my behalf. 

XXXX XXXX/XXXX - Opened XX/XX/2019 XXXX XXXX XXXX/XXXX - Opened XX/XX/2019

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 2019-05-22
Company: Experian Information Solutions Inc.
State: MS
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 the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.. XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : 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 2019-03-28
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX and XXXX again have threatened to take me to court to review all of my assets, which I have gone over and filled them in very fully on my assets. Which is XXXX a month from social security and XXXX in clothes hair procucts and face products. I have no trusts I am not a beneficiary, I do not own any cars or own the house. I can not afford to pay XXXX a month to them for the full balance. It has been 9 years I need a much lower settlement on this, that can be broken up. I can not pay out of my only income from the government for my XXXX to pay this off. Please stop the court threats, and lets come up with a reasonable settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was having issues making my auto loan payment using my XXXX XXXX XXXX mobile application, so I called in to XXXX customer service department to make my payment. I was NOT charged a late fee and was also told by the representative that this would not be reported negatively to the credit bureaus. If I had any issues to call back so they can correct THEIR error. Well then I was reported for a late payement on my auto loan which caused my credit score to drop over 70 points, for something that was not my issue. I talked to a supervisor at the credit union and he recommended that I dispute the error with the credit bureaus. So I filed a dispute with XXXX and Equifax. Well after 30 days XXXX has removed the late payment and negative mark from my credit report. But Equifax is showing that the investigation is closed and they are not making any changes to the negative remarks. I don't understand how one bureau will recognize the banks error and correct it and the other bureau will not.. PLEASE HELP. That impact on my credit score is affecting my family 's life and future. On something that was at no fault of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: EQUIFAX, INC.
State: GA
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:
After reviewing my credit file I found several accounts I never authorized. I sent a request for proof of documentation the Bureaus must have on file under fcra sec 609, requiring proof of contract bearing signature used to validate ownership. They have refused to provide any documentation on file. The laws are in place to protect the consumer and they are not being followed. I have provided a fraud affidavit also with my dispute. below are the creditors be reported. 


XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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: Account status incorrect

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account # XXXX 30 days late in XXXX XXXX, 60 days in XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX Account # XXXX {$0.00} 30 days late in XXXX XXXX, 60 days in XX/XX/XXXX, and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation