BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
JP Morgan Chase is committing theft. They took {$80.00} from me in the form of unauthorized duplicate payments and XXXX money transfers and refuse to refund me. They told me I " might '' get my money back but no guarantee. I spoke to 7 people and all of them told me the same thing, then they refused to give me any kind of documentation or report about this claim. They are thieves and incredibly corrupt. I am pulling all of my money out of Chase and closing my account permanently but have to wait 10 days until they " decide '' whether or not I deserve my money back that THEY stole from me. 
Then, when my friend tried to send me money, they told me they are withholding my transfer. Chase refused to look into it and said HE has to call, even though the money left his account and his representatives ( also at Chase ) said I have to call. So we are just going round and round with no resolution. One of the " supervisors '' even hungup on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The below happened with Citibank : I was charged {$650.00} by XXXX XXXX  on XX/XX/XXXX. I didn't provide them any of my information nor had any business to do with them. When checking my wallet, I noticed that my debit card was lost. 

I reported the card as lost and disputed the transaction on XX/XX/XXXX ; and Citibank issued me a temporary credit of {$650.00} on XX/XX/XXXX. The case number is XXXX After months of not hearing from them, on XX/XX/XXXX I was charged {$650.00} for a reversal of the credit provided to me for that transaction. I called them on the same day ( XX/XX/XXXX ) to see what happened, and they let me know that the investigation didn't go in my favor. 

I tried to re-open the dispute and they mentioned I need to send a fax or letter to their Billing Dispute Unit and they don't know how long is it going to take for them to reimburse me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Westlake Services, LLC
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: Account information incorrect

Complaint:
I get my credit report every year. I was reviewing a alleged debt from Westlake Financial Services from my XXXX and XXXX credit report. XXXX credit report dated XX/XX/XXXX and my credit report from XXXX.Upon reviewing the two alleged accounts I noticed that Westlake Financial Services has illegally re-aged this alleged debt. XX/XX/XXXX reports open date XXXX and date of last activity XX/XX/XXXX. My credit report from XX/XX/XXXX reports a open date XX/XX/XXXX and date of last activity XX/XX/XXXX. My XXXX Credit report from XX/XX/XXXX shows a open date of XX/XX/XXXX, and no date of last activity. XXXX shows a repossession date of XX/XX/XXXX. XXXX credit report from XX/XX/XXXX shows a open date of XX/XX/XXXX and no date of last activity. Also the balances have been changed. Westlake Financial Services has willing and willfully committed a illegal violation of the Fair Debt Reporting Act and the Fair Debt Collections Act. I also will be filling a complaint with the state attorney generals office and the federal trade commission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: EQUIFAX, INC.
State: TX
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
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: Their investigation did not fix an error on your report

Complaint:
Experian and XXXX are reporting incorrectly 120 plus days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 21 and 22 of the attached credit report. ) I have scheduled recurring payments on this account with XXXX XXXX. Payments are taken out on the XXXX day of every month. Attached is a copy of the confirmation of payment from XXXX XXXX Customer Service. These late payments appearing on my credit report are false. I make timely payments and have not missed a payment. This incorrect reporting is harming my credit score and these lates need to be removed 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 2018-05-23
Company: Direct Recovery Services, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Voicemail left on my cell phone stating I owed a debt to Direct Recovery Services, stating this was that last time they will contact me when it was the first XX/XX/18 @ XXXX. Didn't state what I owed or to whom. I have never dealt with that company before. AtXXXX my son 's father ( whom I hardly speak to ) texts me to let me know the same company called him stating I owed a debt and needed to call then and asked him to share my phone number. Again I do not speak to my son 's father and his number is fairly new, not sure how this company got his number. They left phone number XXXX on my cell vm and XXXX with my son 's father also left an acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Recieveing payments I believe someone got my information I get XXXX SSI and I have part-time job I believe someone got my information but not even that they have my email information

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 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I reviewed a copy of my credit report and I am disputing an item that needs to be removed. 

XXXX. XXXX XXXX XXXX XXXX is a 2-year-old credit inquiry. It was pulled on XX/XX/2019, and should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: TRUIST FINANCIAL CORPORATION
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:
On XX/XX/2020 Regional Acceptance added a derogatory mark on my credit report per XXXX XXXX, XXXX  & XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA Regional Acceptance Recovery has violated my rights as a consumer and I am requesting legal action to remove this account 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 2020-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In early XXXX I was in the final stages of refinancing my mortgage. Per my new mortgage company, they instructed me to go ahead and make my XXXX payment ( {$2600.00} ) to my current mortgage company ( XXXX XXXX XXXX  ), just in case of a delay in closing. So I scheduled my XXXX payment using my bank 's ( Bank of America ) bill pay system like I have done for the past 5 years for payment on the XX/XX/XXXX. 

On XX/XX/XXXX, we closed on the refinance and on XX/XX/XXXX the old mortgage was paid off. On XX/XX/XXXX the XXXX mortgage payment was sent via Bank of America 's bill pay system to XXXX XXXX XXXX via ACH. On same day ( XX/XX/XXXX ) the draw was returned by XXXX XXXX XXXX  via ACH. 

I contacted Bank of America, and they are pleading ignorance of the issue and refuse to return my money or credit my account.

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 2023-07-28
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Mr. Cooper requires you to go online to fill out a request for a Payoff Quote. The process ends up in requesting you to either select that you will pay a {$20.00} " preparation fee '' and receive you quote in the mail in 4-6 business days, or you can pay a {$45.00} " expedite fee '' and receive it instantly over the web. This is completely absurd that they're allowed to charge a fee to simply state how much you need to pay them, and is a junk fee that the Biden administration wants to end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: SYNCHRONY FINANCIAL
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:
I have received mail that doesn't is not mine please remove the following : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX SYNCB/PAYPAL

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Experian Information Solutions Inc.
State: MA
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:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}, {$4200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXXXX  and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My credit card that Ive had for over 11 years was suddenly closed without an explanation to me from the bank. I received an email from XXXX XXXX advising my bank of america card was closed and paid. I tried looking for the account on my mobile app and its no longer there. I also come to find, the account has been reported delinquent and had a balance of {$5.00}. This is the information that Im viewing from a credit report as Ive had no notification what so ever from the bank. I pay my bills on time each month and oddly this account had a balance that I was not aware of, I can not even look at the transactions as I have no access. 
I did not receive a call regarding a balance, a statement or email communication. This is very upsetting knowing the bank is taking extreme measures without notifying the consumer. My credit report has dropped XXXX points and would like an explanation and update to the credit report. If this account was delinquent for {$5.00}, why did I not get contacted? Why did I not receive a statement and why cant I view the account on my end?

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 2021-12-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I had a mortgage company pull my credit report. XXXX reports I owe XXXX dollars for my next payment. the balance is reported as being XXXX dollars. The statement reflects that I have a XXXX dollar credit limit, and XXXX dollars available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXXXXXX is affecting my credit. They have false / erroneous items on my account .... These erroneous items are affecting me tremendously. I have called to have the information removed these false late payments are dragging my credit score down.

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 2023-02-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
ON XX/XX/XXXX, I put a thaw on my credit freeze on my credit report with Experian. I put the thaw from XX/XX/XXXX through XX/XX/XXXX. Experian 's website stated that the thaw is in place for that time period. I even had my banker check it with me as I was applying for a credit card with XXXX. XXXX tried 6 times to access my report but was unsuccessful. When they tried to pull my report, the system my report was frozen. I also checked the website twice & it stated that the thaw was in place. I called 3 XXXX XXXX phone numbers of Experian and you can not get anyone on the phone to address the problem. I also put a case in online about this problem and never heard back. This is the 2nd time this has happened to me as it also occurred in 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
Consumer complaint received 2020-05-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a credit card with Citibank which is cobranded with XXXX XXXX and gives me access to XXXX XXXXXXXX XXXX XXXX XXXX. The annual fee on the card is {$490.00} which I have been paying every year. 

My annual fee is due this year on XX/XX/2020 but because of the Covid-19 Pandemic, I have not been able to use the perks promised by the card. i.e. XXXX  XXXX lounges were either closed or travel has been limited because of the pandemic. 

When I called Citibank to see whether they can waive the annual fee for next year or at least defer it for a couple of months, they refused and would not budge. 

I have not been able to use the perks and rewards promised by the card through no fault of my own and would like Citi to acknowledge and accommodate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
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: Was not notified of investigation status or results

Complaint:
This account was paid in full. Company offered to be removed. This account has not yet been removed

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 2023-07-24
Company: Foris DAX, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX, which involved me making deposits for a total amount of XXXX USDT from my Crypto.com account to a fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I signed up for the Home Depot credit card because there was an offer of {$100.00} off on purchases if you did so. The amount may have varied by how much you spent, but in my case it was {$100.00}. I tried to sign up online 3 times and it didn't work. I finally had to call and spend over 1/2 hour on the phone to get this deal setup. The person assured me that I would be the {$100.00} off. I was suspect because it didn't seem like he really understood, but I proceeded. 

I made my purchase online and went through the checkout process. I didn't get my {$100.00} off. I wrote 2 or 3 letters to get my money and finally I rec 'd a credit on my bill, which I had already paid. I sent another letter requesting the money be sent to me, and all I got was a letter back that said call to provide additional information. I am not in position to call any longer, so I sent another letter back saying that they had all the information they needed, but that if they would tell me what else they needed, I would supply it. I just rec 'd the same letter back from them saying, " Call to provide additonal information. '' I just want my {$100.00} back. I even tried to use the card to use up the credit, but that doesn't work now either. They must have froze my account or something. I would like a check sent to my address of record. 

The initial purchase occurred about XX/XX/XXXX. 
I sent them letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX trying to resolve this. 

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 non-monetary relief
Consumer complaint received 2023-03-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation