BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase Bank XXXX. XXXX Not being able to access Online Banking Keep locking out even I have cleared security lock with representatives with Fraud Department more than several to dozens times. 

Keep cancelled wire money request to send money to my daughter with XXXX XXXX XXXX XXXX for several times 1000 dollars XXXX. XXXX. XXXX. XXXX. 
700 dollars XXXX Other canceled wire money notification by email received to XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX dollars with 20 dollars fee. XXXX XXXX several times. 
Not being able send Takes more than an hour to contact Fraud Department in XXXX and possibly an XXXX. 
takes more than 30 min. If calls fails takes another an hour plus 30 min. 
Even they unlock Online banking, it keeps locking out due to consider suspicious activity no matter what Fraud department clears. Automatically or after some one manually locks out? Even after I cleared security process. 

Personal financial information has release to foreign countries by recount my calls to overseas. 

Cost of an international calls- more than 25 dollars spend. 

Checking account I plan to move my all of the money to another bank. no future direct deposit. 

I have to move all of my money to another investments to another investment banking. 

I believe to be this is an interferences with my all of the transactions and holding my Money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: CA
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:
I filed a complaint with the Experian regarding my XXXX XXXX/XXXX   account because XXXX  XXXX was failing to accurately report the correct balance, so in response XXXX  XXXX chose to delete the entire account tradeline from Experian on XX/XX/2020. I called XXXX XXXX and on XX/XX/2020 and spoke to a supervisor XXXX and he said that I would need to contact the Experian to make the correction when XXXX XXXX is the party that requested the deletion. My account has been paid in full and I have been waiting for my credit report to reflect that and was wondering why my credit report didnt look right. It would be really nice if XXXX XXXX went the extra mile for the consumer especially during this national pandemic and these very trying times when consumers are facing difficult hardships. The credit bureaus only report what the creditors instruct them to report as allowed by law and XXXX XXXX should be more cooperative and provide more assistance to their consumers in time of need. 

Please investigate this matter as soon as possible as time is of the very essence as this is having a negative impact on my overall credit score.  I want and need this tradeline added back to my credit profile effective immediately and XXXX XXXX will not cooperate with me as usual. I am attaching a copy of the dispute report from Experian to show the before and after to show that they in fact had my tradeline deleted.

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 2019-02-12
Company: Flagstar Bank, N.A.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had asked Flagstar Bank to sunset the property tax and homeowner insurance portions of my mortgage escrow account, since the closing papers gave me that right. The company refused. I complained to CFPB ( XXXX ) and received a letter from an XXXX XXXX XXXX from the Office of the President stating that because I had a XXXX XXXX loan, I could not sunset those escrow portions.

This was a surprise to me, since I had never had anything to do with XXXX XXXX. I called XXXX XXXX, and they said they had no record of me. Upon calling Flagstar on the inaccuracy, they had to admit mine was a conventional loan, but they still refused to sunset -- and they even cited the same XXXX XXXX restriction chapter and verse about loan-to-value ( LTV ) ratio not being 80 percent or less. This time, the excuse was I had private mortgage insurance ( PMI ).

I'm getting tired of Flagstar 's Excuse of the Month over imposing an inappropriate XXXX  XXXX restriction on my conventional loan. Their customer service department is anything but. They just throw up rationalizations, however inaccurate, and say no to everything.

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 2018-06-15
Company: EQUIFAX, INC.
State: NC
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 tried to get verification from accounts on all three credit bureaus. i have seen no validation of debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
This complaint will be my sixth complaint about my credit report and scores. I have already told in earlier complaints that I was faced extreme hardship when I was in California, that time am not able to make payments and my car my wallet was stolen I have police report. Now I am paying my owes. This information I have told to Bank of America and XXXX and XXXX. Still am facing hard time due to these three companies. I am applying XXXX  credit card they were denied me because of your credit report. So here is the bottom line if You dont repair my credit I will put case against Bank of America XXXX and XXXX and I will put discrimination case too, I will approach leagally a lawyer.

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 2023-07-31
Company: Experian Information Solutions Inc.
State: TX
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 request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control.

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 2019-02-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I began the mortgage application process with Wells Fargo Home Loan. On my initial loan application I said that the home was built in 1975 and converted to real property. On XX/XX/XXXX Wells Fargo charged me {$550.00} for an appraisal. On XX/XX/XXXX I was instructed to take a First Time Home Buyer course through XXXX  for {$75.00} as part of my loan application process. On XX/XX/XXXX, some 20 days into escrow, Wells Fargo denied my loan due to the date that the home was built, which I'd included on my initial loan application, leaving me with less than 7 days to secure another loan before losing my earnest money deposit. I subsequently had to relock with another company at a higher rate resulting in a total loss of ~ $ XXXX over the life of the loan. Further, my credit was damaged from being pulled several times by several mortgage companies and credit bureaus in two different months. I filed a complaint with Wells Fargo on XX/XX/XXXX seeking reimbursement for the appraisal and course totalling {$630.00}. I was assigned complaint case number XXXX and customer care representative XXXX XXXX at ext. XXXX. I have called the customer care line repeatedly and can not reach XXXX XXXX. I am then transferred to a generic customer care representative who can not access my file or give me a status update. Moreover, I feel that this is a violation of the Consumer Protection Act and Fair Lending Act due to the fact that the information they claimed to be the cause of denial was provided on day 1 of the loan application process and they could not produce a report or factual evidence as to why the loan was being denied despite documentation from the State of California Housing and Community Development Office that the home was converted to real property and has legal filing with the State of California.

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 2018-06-15
Company: Experian Information Solutions Inc.
State: CA
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:
Dear sir or Madam : I am writing to complaint about EXPERIAN CONSUMER FRAUD ASSISTANCE, XXXX XXXX XXXXXXXX, XXXX Texas. XXXX. 

I disputed items that were fraudulent on my credit report. I sent notarized letters with evidence and documentation that these items are not mine. And they have not remove them from my credit report. 

The last report from Experian was received on XX/XX/2018. Report number 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 2021-03-04
Company: Comerica
State: MA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX at XXXX : XXXX XXXX  I withdrew XXXX from an atm machine in the local XXXX that my bank app told me would not charge me any fees. Was on the phone at the time when I seen the door with my money in it close and a message came on the screen to contact my banking institution. I called right away and was sent forms to fill out. I completed the forms and gave a copy of the receipt as well. I was told yesterday over the phone that my claim was denied. All transactions are logged so they did not do a proper investigation in my mind simply because if they did they would see the actual transaction as well as my funds still in the machine. I am a XXXX veteran and this nonsense has caused me to suffer greatly and I will always fight for what is right in this world and not stand for any wrongdoings, no matter how insignificant they may seem to these banking institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
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 is missing that should be on the report

Complaint:
On XX/XX/XXXX I report XXXX of my creditors information was on my report had incorrect information. Experian was missing payments that were done on time from XX/XX/XXXX to XX/XX/XXXX. I contacted XXXX XXXX XXXX and they explain that Experian had a block on my account to report my payments. I explained to them that was not true since my other creditors are submitting the information. 
However, I notice that Experian deleted the creditor from my file. I called on XX/XX/XXXX to inquiry why this account was deleted. The person that work there could not provide a reason. He was suppose to open a case to have it added back with current payments. I do no see any indication on my report that it was done. 

I need help to get my credit report to properly maintain and being accurate. Since they also had old accounts that were XXXX from XXXX Chapter 7 Bankruptcy that took several disputes to finally be updated last week. I am still disputing another account that needs to be deleted and it is staring to be an issue.

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 2018-02-19
Company: STEWARD FINANCIAL SERVICES LLC
State: PA
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:
On XX/XX/2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-02-19
Company: Exeter Finance Corp.
State: PA
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:
On XX/XX/2017 I never gave permission to that company to check my XXXX XXXX, And they did Hard inquiries XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
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: Their investigation did not fix an error on your report

Complaint:
I was on a deferment plan that was approved for XX/XX/XXXX to XX/XX/XXXX due to me not working due to COVID19. Somehow, XXXX XXXXXXXX XXXX reported me late on XX/XX/XXXX. I have attached my mortgage statement for that time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

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 2018-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/XXXX, I mailed two debt validation letters to XXXX XXXX XXXX, one to XXXXXXXX XXXX XXXXXXXX, XXXX, TX XXXX and the other to XXXX XXXX XXXX, XXXX XXXX, MO XXXX. I will attach a .pdf of the exact validation letter, the document was received on XX/XX/XXXX at XXXX XXXX with no confirmation or acknowledgment having ever been mailed back to me since the company received my letter. I have already tried to correct this matter by filing a complaint with the Office of Civil Rights through The Department of Financial Services against the hospital and the debt collector, complaints number : XXXX & XXXX, and just recently, The XXXX XXXX XXXX on XX/XX/XXXX. They have no documents proving that the debt belongs to me, no itemized bill, and then there's the fact that the debt is also under XXXX XXXX XXXX, clearly, The Social Security Administration and The State of Florida couldn't possibly be mistaken in confirming that my name is, and has been for quite some time, XXXX " XXXX '' XXXX. XXXX has just recently posted a collection account to my credit report on XX/XX/XXXX for an unsubstantiated account on a patron with two insurance policies. How can they so boldly defy the constructs that govern their industry? It is impossible for me to have any outstanding debt from XX/XX/XXXX, my primary policy 's Family Deductible and the Annual Deductible was surpassed in XXXX due to expenses related to my XXXX. I have never seen a company so brazen as to kick an unemployed upstanding citizen while they're down and trying to care for their infant on a very constrained budget.

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 2019-02-12
Company: Colony Brands, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is reporting on my XXXX, XXXX , & XXXX  credit reports that I owe them {$150.00} for a collection. I've never done business with this company, nor have I ever signed a contract with them. I've contacted them & asked that they produce documentation & was told that they don't have any documentation. This company is hurting & ruining my credit worthiness with their deceptive practices. Are the even licensed to collect on a so called debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
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:
Today, XX/XX/XXXX, I used an app called XXXX to purchase XXXX XXXX tickets from a seller. Her phone number is XXXX ( XXXX ) XXXX and her email address is XXXX. XXXX does not help at all. I tried to reach out to XXXX but they will not assist. I transferred {$100.00} from my bank account to the sellers. The seller said they would immediately send me my tickets. Then, they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was notified on XX/XX/XXXX by the fraud department from my Barclays rewacard that a charge from XXXX for {$4700.00} was trying to be an issue I contacted the company and told them no meanwhile I've been in billing issues with them since XX/XX/XXXX where they have had me at collections twice with the same issue no final bill to this date that the charge was reversed and a new card was issued. On XX/XX/XXXX of this year XXXX with the new card again ran the {$4700.00} and that I was told later after investigation from several departments and several people and the case number I have is XXXX after six months trying to get to send them back they credit me back {$1200.00} when I contacted my credit card company again I was told it it was coded incorrectly as a fraud and not a billing issue so a Other case number had to be open that is not correct I was able to speak with a supervisor name XXXX and was told that they go by algorithms and this is why I was allowed to exceed almost 59 % of my credit limit now I'm over the credit limit in collections twice and no final bill from the vendor who actually I have asked my credit card company if I had gotten into a store and tried to charge {$4700.00} it would've been denied I do not understand algorithms and this should've never been posted on my account they have ruined my credit I need help thank you When I asked the supervisor if I had of walked into a store and tried to do that with the algorithms work then and she could not answer that question she also couldn't understand why it would exceed that much already owe them {$2400.00} and my credit limit is only XXXX they have doubled my credit profile causing me to lose 49 points in one day on 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 2018-03-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My complaint is against One Main Financial for emotional distress and other damages. I have been paying $ XXXX/month two years now for a loan in the amount of {$1500.00} and there is no end in sight. Someone needs to stop these predators in what they are doing. They are acting like we are in a country with no law and they are doing whatever they want I will forward all the records so you can see yourself how these predators are taking advantage of me. 

One Main Financial contact persons are XXXX XXXX and XXXX XXXX. I have been dealing with them since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-04
Company: General Motors Financial Company, Inc.
State: CO
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 had a Gm XXXX that was recalled because of an EPA lawsuit. When we turned int the vehicle we were told by XXXX not to make anymore payments and that they would make the payment before the due date since they were paying off the loan. We got notice 30 days later that there was a 30 day late payment put on our credit reports. I 've tried to have it removed with the company and the credit reports but no one has removed it. XXXX refuses to fix their mistake.

Company response to consumer: Closed with explanation