BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hi, my name is XXXX XXXX. This complaint is regarding Chase Bank. I was scammed by XXXX XXXX XXXX ( E-commerce dropshipping company ) by sending XXXX XXXX wire transfer of XXXX on XX/XX/2021. However, Chase bank did little to stop it : Before wiring money to XXXX XXXX XXXX, I did my due diligence to verify XXXX XXXX XXXX. At that time they were banking with Chase. I collected all the account info from XXXX XXXX and verified their business account with Chase. Representative from Chase said that its a valid business company, hence leading me to wire XXXX investment to XXXX XXXX XXXX XXXX did I know that XXXX XXXX is a scam. I have been trying to contact XXXX XXXX XXXX via text, emails and phone calls to no avail. I called Chase to recall the money from XXXX XXXX but they were not helpful. Their response was there was nothing they could do XXXX XXXX XXXX withdrew funds and closed their account with Chase after the wire transfer was made. How could Chase be so negligent and careless to transfer XXXX XXXX funds out and close their account after a big wire transfer was made. It should raise a red flag to Chase that something is wrong. I'm sure I'm not the only scam victim in Chase that had money wired to XXXX XXXX XXXX. And yet Chase proceeded with XXXX XXXX account closure and now Chase claims they can not recall funds. It's just pure negligence. I filed a separate complaint about XXXX XXXX XXXX on this site. 
I was also informed by different agencies that banks have fraud insurance to pay out clients who were victims of scam after investigation. In my case, Chase does not even want to help me out by tracking down where the funds of XXXX XXXX was transferred to. They don't even want to open up a claim with their fraud insurance to do an investigation. That is just pure negligence and carelessness on behalf of Chase. Please help me. I would greatly appreciate it. Thank You!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
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: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX Acct : XXXX From the period beginning XX/XX/2020, I experienced continual service interruption issues and was not provided statement credits as promised by XXXX agents. I made repeated calls to XXXX informing them that further payments would not be made on this account until credits that were due and promised were issued on the above referenced account. XXXX has refused to provide a corrected statement. 

On XX/XX/2020, I called XXXX and spoke with XXXX in retention and requested that the service be disconnected and once again requested credits against a final bill. XXXX assured me that credits would be issued and that she was sending me a box inside which all equipment was to be placed and returned to the address indicated on a XXXX supplied return label. Said box was received on XX/XX/2020, and, on XX/XX/2020, all equipment was returned as requested using the XXXX supplied label, and in the XXXX supplied box. To the date of this letter, the undersigned has not received a final, corrected, accurate and reconciled final bill. 

I have disputed this debt and XXXX continues to attempt to collect an incorrect amount, and refuses to provide a corrected bill. Their records will clearly reflect out of service dates and details of my contact with them. I have continually requested a corrected, reconciled statement but have not received one.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have recently moved out of my home, lead to not receiving the debt letters on time. As of XX/XX/2021 I owe {$380.00} to Synchrony Bank XXXX XXXX. Due to COVID-19 and my recent move, I can not pay in full the debt that is owed.

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 2023-02-14
Company: Bread Financial Holdings, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
A line of credit was set up without my authorization by XXXXXXXX XXXX XXXX with : Comenity Capital Bank XXXX XXXX XXXX XXXX OH XXXX Im writing to dispute the entire accounts existence. When I contacted XXXX XXXX XXXX about a medically necessary procedure on XX/XX/2022, I was told I could get a line of credit to pay for all of the procedures I needed. I was told my insurance would not cover {$5000.00} of the charges. At that time, XXXX XXXX requested my social security number to conduct a soft credit check to see if I qualified. She told me I did and that I would get documents to set up the line of credit. She also stated I would be billed for everything after the procedures were completed. My first procedure was scheduled for XX/XX/2022. I never received any creditor paperwork or contact, credit card, nor did I complete any application or sign off on a line of credit. I didnt even intend to use a line of credit if I was able to pay for everything with my XXXX  XXXX 
I received a letter in the mail from Comenity that I assumed were the credit application documents. When I opened it on XX/XX/XXXX, I was shocked to see that it was a bill due XX/XX/XXXX. It showed a charge of {$5000.00} that was billed before I even went for my first scheduled procedure on XX/XX/2022. I attempted to pay this bill on XX/XX/2022 using my XXXX debit card as I didnt want any late fees or anything to negatively impact my credit score. That was a Sunday and I intended to call and question the company about this account that following Monday. Unfortunately, I ended up going to the XXXX that night due to complications from the procedure that was performed. At the hospital they informed me the procedure wasnt performed correctly, I was admitted to the hospital, and had to get the procedure done again. I remained in the hospital for almost a month in recovery and have been in home recovery since. While in the hospital I received a collections call on or around XX/XX/2022 from Comenity. At that time I disputed the account and all charges. I was told by the rep that it was not uncommon for an unauthorized account to be set up, and she put the entire account in dispute. I later contacted XXXX at XXXX XXXXXXXX XXXX because the charges should have first been sent to my insurance company. She agreed to bill them and told me that I wasnt billed for all of the procedures. To date, they have not responded to requests from me or my insurance company for a bill breakdown.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for Wells Fargo credit card and despite having XXXX credit score - my application was denied by Wells Fargo. Upon calling- i was told to wait for the letter ( which i am attaching with this ). 
Strangely my spouse who has lower credit score than me- got this 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 explanation
Consumer complaint received 2019-04-24
Company: HUNTINGTON NATIONAL BANK, THE
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 inquires on my report weren't initiated by me. Customer service would not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: FL
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:
To whom it May concern I hope this letter finds you well. I am writing to kindly request your consideration regarding a 30-Day late payment recorded on my account. I acknowledge and deeply regret this incident and wish to address it proactively. As a loyal and committed customer of XXXX XXXX, I would like to highlight my exemplary track record of timely payments in the past. This late payment in was an isolate event and does not reflect my financial commitment. I sincerely apologize for any inconvenience it may have caused. I eamestly request your kindness and consideration to remove those late payments from my payment history. I greatly appreciate your understanding and support in this matter.

I provide below the details of my account for your reference : Account Number : XXXX As an additional measure. I commit to setting reminders and preventive measures to avoid similar situations in the future. I am deeply committed to maintaining a trusted relationship with XXXX XXXX and take responsibility for ensuring my payments are made in a timely manner. 
I sincerely appreciate your attention and consideration toward my request. I look forward to a favorable resolution and continuing to enjoy the services and benefits that XXXX XXXX provides to its valued customers. 
Thank you. 
Sincerely.

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 2023-08-19
Company: Experian Information Solutions Inc.
State: OH
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 explanation
Consumer complaint received 2018-02-07
Company: Experian Information Solutions Inc.
State: CA
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:
I am from XXXX county Indiana XXXX XXXX XXXX XXXX of XXXX  XXXX Indiana of XX/XX/XXXX Others copied my documents attached to my social security number and data 50 states wide and in XXXX and XXXX As counter ids scams using business permits scams and never asked me per the IRS I have been used a sinage by many land development using my documents as landdelopments and consideration business Federal and state not authorized Others fraud the doctor listed on my birth certificate long form of XXXX XXXX  XXXX and XXXX  XXXX Then others frauded my immazation record of XXXX   XXXX XXXX XXXX XXXX Indiana I have been deniged credit card and department stores change card and loans and payday loans and scotter and RV loans and mobile homes loans for 18 years Others used my credit files as retailers store 's and banking and financial and business and banking permits and 50 states grocery store products with receipts, and marina and apartment building permits and politican listings and lawyers and judges and law offices and police and clothing and chruch groups and auto stores and consideration permits and insurance workers and IRS retailers workers and semi truck and  semi truck business permits Schools and school products and services and building permits business and advertising

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 2023-11-25
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from 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 2022-09-12
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX. XXXX {$1200.00}. I've received a bill stating I owe this amount. I've sent a validation letter for specific consent information that this is my dept. Like a contractual agreement I made with my hand written signature or what medication that I've received. They didn't send me that. So I sent a second validation letter stating I would take further steps. They sent me a bill from original creditor. I've been in contact with them trying to figure this out. I even reached out to the police department records unit. Which I have the email. Stating that they have no record that this incident happened on those dates. I will attach email. At this moment I'm in conversation with original creditor now to investigate this situation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I started receiving pre-recorded threatening phone calls from area code XXXX. I finally called back the number XXXX and was connected to XXXX. He stated he was with XXXX XXXX XXXX and accused me of fraud concerning a checking account with Fifth Third bank ending in XXXX. He had my social security number and claimed Fifth Third was sending notices to my old address in XXXX XXXX, Ohio and I never responded. I haven't lived there for approximately eight years. He claimed they did a background check to find out where I currently live. I have no idea what this person is talking about. Why would Fifth Third give my social security number to another organization without contacting me first? They have my phone number. What fraud am I committing with a closed checking account? I can not find any XXXX XXXX XXXX company or the phone number does not come up in a search. I think this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Bread Financial Holdings, Inc.
State: CT
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 this creditor has violated my rights : Under 15 U.S. Code1681, SECTION 602 It states I have the right to privacy Under 15 U.S. Code 1681, 604A, section 2 A consumer reporting agency CAN NOT FURNISH An account without my written instructions.

Under 15 U.S.C, 166B Which states A creditor may not treat a payment on a credit card account, Under and open on a consumer plan as late, for any purpose. 

XXXX XXXX XXXX has made 11 reports of late payments On MY credit report. This is covered under the above cited statues. I request the removal of said reporting as it negatively impacts my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Experian Information Solutions 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:
XXXX IS STILL REPORTING FRAUDULENT INFORMATION ON MY FILE AND I WOULD LIKE IT TO BE REMOVED. THEY ARE NOT ANSWERING ANY OF MY LETTERS THAT I'M SENDING.

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 2022-09-12
Company: United Shore Financial Services, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
United Wholesale Mortgage Company has not paid my homeowners policy, and allowed it to lapse this was after they sent me an email guaranteeing me they would pay the amount owed. I then received a letter from XXXX  stating they purchased a policy for me due to nonpayment. I called the customer service number and spoke to XXXX XXXX who again guaranteed me they would send a payment overnight. That was on XX/XX/2022 and the payment has not been made. I have all of the email communications between my insurance broker, and the XXXX customer service team.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: AFNI INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I received a lettter for a bill through a collection agency from XXXX XXXX XXXX in the amount that I do not owe. I called the representative from the agency on XX/XX/XXXX to dispute the charges. However, I did not get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-05
Company: NFM, INC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
NFM lending did not send copy of forbearance agreement for extension of XXXX forbearance for months of XX/XX/XXXX through XX/XX/XXXX. Called lender on XX/XX/XXXX to request extension of forbearance as hardship of unemployment is not resolved. Was told verbally over phone that forbearance was extended for months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX however no forbearance extension documentation sent via XXXX Mail to me/borrower. Need CFPB to review lender 's compliance with GSE requirements as no updated forbearance agreement sent out to borrower. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: NJ
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 have reached out to Equifax and XXXX XXXX about account XXXX Acct # XXXX. This account is Fraudulent and in the name of " XXXX XXXX '' ; my name is not " XXXX XXXX ''. 

Equifax nor XXXX has not responded by sending me an adequate description of the re-investigation process not did they send me copies of any documents proving that the account is not fraudulent. 

I also have submitted a Federal Trade Commission Fruad affidavit to Equifax and XXXX, ( Please see the current Federal Trade Commission Affidavit. Please attach it to XXXX as well. I added it because I forgot to add XXXX Acct # XXXX to the Federal Trade Commission Fruad affidavit # XXXX attached to CFPB report # XXXX. )

Company response to consumer: Closed with explanation