BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-17
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been charged {$68.00} in fees, my accounts current balance is {$67.00} making this balance all fees. Because I have {$50.00} that was deposited to my account and reflected in my balance as part of the available funds. I have been charged two fees for a purchase of XXXX and another of XXXX. I made these purchases because my banking reflected the fund available. I am told now that the funds hadnt technically posted so they charged the fees. If not posted it should not reflect as available causing me to go over my balance and accrue fees I have worked so hard to avoid. I am asking that both fees be refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-26
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: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED AN INACCURATE ACCOUNT ON MY FILE. THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, THIS ACCOUNT WAS INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2018-11-17
Company: Global Credit & Collection Corporation
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
{$460.00} XXXX credit card debt went to collections. Debt was owned by Global Credit and Collections. I received a notification via mail that I could settle the debt for {$290.00}. Check was dated XX/XX/2015 and was deposited into Global 's bank account. My account number is referenced in the memo line. I have a copy of check image with deposit stamp. Called Global and they said since they no longer own the debt they can do nothing. 

XX/XX/2015 XXXX XXXX owned debt and has been trying to collect. XXXX has asked for me to fax the check image, which I have done 3 times to no avail. Paid debt remains on credit report and I have been dinged several times by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX This account continues to appear on my Equifax/XXXX XXXX report. I have made attempts by phone and on-line, but they have yet to correct the above account for XXXX XXXX XXXX. The item was paid in full and should not have been reported by XXXX XXXX XXXX 's office to the credit bureau. Attempts to accesss my credit file are useless. Attempted to speak to a representative, today ( XX/XX/XXXX ), but, was placed on hold for more than 15 minutes when I finall disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Westlake Services, LLC
State: FL
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:
Pulled credit report and saw inquiries on my account, I tried reaching out to the credit bureau they explained to me that I must contact the actual company and I did that as well and is getting no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Stevens Business Service, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
I submitted a claim. It was denied on the grounds of fraud by Bank of America unemployment. Over XXXX was withdrawn from my account from an ATM. This occurred in XXXX. I was a victim of fraud. My card was completely shut off then turned back on. I then disputed this transaction and was denied because I couldnt prove that it wasnt me who took the money out of the account. The burden of proof does not fall on my behalf and there was no reason to deny my claim or evidence to deny my claim. Bank of America simply did not credit me my money back and continued to deny my claim.

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 2018-11-17
Company: Experian Information Solutions 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 am having issues with Experian trying to remove old accounts that should not be on my report. I called and had the worst experience today. The person did not understand my request. She kept asking what I what. Then I asked where she was from and she replied XXXX XXXX. Asked for a USA rep and she said " no '' then I hung up. 

However there is two accounts that need to be removed per a payment agreement that was done 3 years ago since I paid them out. 
These two account should be delete or remove- XXXX , XXXX XXXX XXXX, XXXX XXXX, MN XXXX, phone ( XXXX ) XXXX and XXXX  XXXX XXXX  , XXXX XXXX XXXX, XXXX XXXX , NV XXXX Phone ( XXXX ) XXXX. 
If Experian had better works that know what they are doing, then I would not be going through this. This about my 5th request to remove these. They are not on my other two reports, so why can Experian make sure the reports are updated?

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 2021-10-19
Company: American First Finance, Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I bought the double door oven on XX/XX/2021 for {$2100.00} in XXXX XXXX store in XXXX Wa. They offered credit though American First Finance bank .When I was in store I didnt not received any contract on hand and they told me you will received by email. I did not received by email any contract and after 9 months of payments for {$350.00} so total amount that I paid already {$3200.00} I contacted American First Finance and asked why you charging my card if I already paid {$3200.00} they told me did you see contract I told I never received and my English is limited and I ask for translator but they told they dont have translator. Then they send me contract on XX/XX/2021 and it was the first time I saw contract on XX/XX/XXXX. I was surprised and really upset because I need to repay back not just XXXX but final amount will be {$8600.00} and I dont remember that I sigh anything electronically and if it was signed why I did not receive copy of contract in store.Why nobody explain in store that I need to repay in 100 days full amount plus early repayment fee. Why I did not receive contract in store when I can see all detail and I why when was asking for translator but never was provided. I need your help to solve this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-19
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently had an unemployment direct deposit hit my account for over {$10000.00}. On XX/XX/XXXX for the first time since XX/XX/XXXX. The direct deposit cleared with no problem.they let me use my money to pay off bills and now they want proof of paystub and a W-2 for them to release the {$8400.00} balance on my account. It hold them that there was no way I can provide a paystub for unemployment benefits and they insist that provide them documentation for it. I call the state of Massachusetts unemployment and they said everything was fine on their end in which nothing was wrong. Account information was correct. I provided chime with a snapshot of where the funds came from in the account. They also let my next unemployment check hit the account for {$260.00} on XX/XX/XXXX with no problem. Now they are restricting my account and not letting me access my account. I told them that I have been through enough XXXX for the last six months trying to getting to take care of my family. Im running out of time and will lose my home at the end of the month if do not have access to my account to pay these bills at home. I will threaten legal action and call my state representatives to make sure that they are held accountable. Since they are not a legal bank as states on their site they can not withhold my funds without a court order from a government entity. A clear violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
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: Was not notified of investigation status or results

Complaint:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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 2021-10-19
Company: ACIMA CREDIT, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Please confirm the information shown in this collection account. The unverified account listed below is still reporting on my credit report in violation of Federal Law. This account was already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the Credit Bureau is legally allowed to report this on my credit report. If unable to, remove the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: CORELOGIC INC
State: NY
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:
this company pull my credit report to many times with out my consent

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 2018-11-17
Company: Credit Plus Inc
State: NY
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:
No knowledge to this report inquiry. 
No permitting to this company to check my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I am filing this complaint because Chase decreased my credit limit for no reason on both of my credit cards which in turn killed my credit score! I was carrying a balance of not more than 25 % percent of my credit limit on both my chase sapphire reserve card ending in XXXX, as well as my chase southwest card ending in XXXX. Chase lowered the limit on both of these cards to my balance, bringing my utilization to almost 100 % on both cards, lowering my credit score over XXXX points and hindering me from doing anything with my credit! Especially in times like these with the covid-19 situation I need my credit back the way it was in case I need it for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
An autopayment for the minimum amount due was paid on XX/XX/XXXX, on XX/XX/XXXX I paid the rest of the balance in full. When i checked to confirm, capital one added another {$190.00} in interest charges. I called XX/XX/XXXX to dispute, no ther cards added interest after i paid them in full, and they stated nothing they can do

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Telsa Motors Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I inquired about an auto loan from lender XXXX. They sent me an offer via email and docu sign documents. I never signed them and XXXX opened the auto loan without my consent. They say they sent XXXX a {$38000.00} check. I never received any funds and Tesla never credited my account with {$38000.00}. I am trying to get ahold of someone from Tesla who I financed through using XXXX XXXX. XXXX never should have opened an account and Tesla should have returned the money. Help!!! Unethical and Fraudulent companies are putting me on the hook for additional {$38000.00}. Please contact me XXXX XXXX at ( XXXX ) XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Tribal Lending Enterprise, Inc.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I contacted this company to see what help they were providing customers like myself during this pandemic. The best they would do is place one payment at the end of my payday loan, which is no different from what they would do as one-time courtesy outside of this worldwide pandemic. I told the representative that I was unable to keep up with these payments. The representative offered no help. The representative went on to say that missed payments would be subject to the terms and agreements documented in the contract. In speaking with a friend about it and describing the loan I was in, the person informed me that payday loans are illegal in Massachusetts given the high interest rate that exceeds the lending requirements of the state. I was also informed that this loan falls under predatory lending and violates Massachusetts law. I went to the Massachusetts website to obtain more information. The website did have information stating payday loans being illegal in Massachusetts. The original loan amount was XXXX dollars. The company is withdrawing more than XXXX dollars out of my checking account every two weeks. The interest rate on this loan is 584.6071 % and I'm paying close to 700 dollars per month, most of which is interest. When I took out this loan, I did not realize how high this interest would be. In the end, I will pay more than XXXX dollars for a XXXX dollar loan. I've already paid the original loan amount back with interest. I can not keep up with these payments. What are my options?

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 2022-02-02
Company: WELLS FARGO & COMPANY
State: MA
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2017-11-15
Company: Experian Information Solutions Inc.
State: VA
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:
Hello on 4 different occasions I sent a debt validation letter requesting alleged account and balance including calculation, proof that the account is correct, documents showing I agreed to pay this debt and agreement that grants authority to collect this debt. I have not received any response from them.The most recent request that I sent for validation was om XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each time I received an updated credit report stating the item was verified however there was no proof of validation

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 2018-11-17
Company: PROVIDENT FUNDING ASSOCIATES
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/18 Provident Funding sent a letter stating 'how to request cancellation of your private mortgage insurance ... current loan to value ratio is 79.88 % ''. We followed the instuctions and paid {$100.00} fee for Provident Funding to then to perform a broker price opinion. Provident Funding then  sent a letter dated XX/XX/18 stating " based on the property value of the property ... the loan to value ratio is 90.2 % '' and stated totally different values than what was originally written. I feel like it was fradulent scam to get me to pay {$100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Cancelled wireless account XXXX with XXXX well within their early termination period. Account has since gone to collections. Have contacted XXXX as well as collection agency requesting a debt validation letter which both parties refuse to provide.

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 2018-11-18
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: Public record information inaccurate

Complaint:
I received a notification on XX/XX/XXXX from XXXX & Equifax is still investigating, and inaccurate reporting of bankruptcy discharge in the file they maintain under my social security number. The documents I received from these agencies list its " method of verification '' from XXXX or XXXX XXXX. I have attached a recent letter from XXXX XXXX reporting the inaccurate bankruptcy has been removed from the files they maintain under my social security number. I have requested from both their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Both are operating in bad faith which is an additional violation of FCRA 611 ( 5 ) ( A ).

According to 15 U.S.C. 1681 Fair Credit Reporting Act Section 602 ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had contacted XXXX XXXX XXXX, advised I would be paying off the balance on the card in about 7 days, note the account is 1 payment past due. I also asked for a cease and desist on the account as the number of calls I have been receiving daily is insanity. I have blocked numbers and then they will call from another number. Despite the representative advising that she added the C & D on the account, I have still received 5 phone calls, within 20 hours of advising of C & D.

Company response to consumer: Closed with explanation