BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
on XX/XX/18 a amount of {$450.00} was processed on XXXX and another one of {$100.00} on XX/XX/18. never received anything in return to the money. Bank said they couldnt do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
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: Account status incorrect

Complaint:
In XX/XX/XXXX, my mortgage was sold from XXXX XXXX to XXXX XXXX. XXXX XXXX has not had my account since XX/XX/XXXX. In XX/XX/XXXX, they reported the account was 120 days delinquent in XX/XX/XXXX lowering my credit score. This is an error. I have contacted XXXX but they have not come up with a resolve as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: BMW Financial Services NA, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello, i have gone in to look and test drive a car at Bmw and i was just there to look and i was pressure tatic to sign papers and now im stuck with a very high payment on this lease i said i couldnt sign because i am on medical leave due to long term XXXX and they said blah blah this is a good deal you wont get a deal like this in the future etc. I teied to call bmw financing services which is the bank and they said i can not make any arrangements im still on medical leave and it would be nice to lower my monthly payment some how. If possible extwnd the lease agreement to lower payments or lower the money factor but i was forced into leasing the car when i mentioned i cannotot afford {$580.00} month i would be happy if it was in the low 400s i can work with that. Because i have to pay insurance on top of this i do not want to get a lawyer until i can possibly solve this with bmw finance services first. I was lied to and pressures into this lease. Please give me a call XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Wells Fargo Credit Card is being declined for the past two months for at least 8 times. I have called various department of Wells Fargo. Wells Fargo is not doing anything to fix the problem. 
I am embarrassed every time my card is declined. This decline waste my time and seller 's time. And also waste my time again when I call wells Fargo Bank. 

Their customer service department is not friendly and even rude as if I am calling to pay debt to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: JPMORGAN CHASE & CO.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Veterans Affairs ( VA ) : VA Medical Care Copayment Pay.gov Tracking ID : XXXX Transaction Date : XX/XX/2018 XXXX XXXX EST Transaction Amount : {$50.00} Payment Type : Bank account ( ACH ) Transaction Status : Complete Payment Date : XX/XX/2018 Frequency : One Time XXXX/XXXX - CODE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: AmeriHome Mortgage Company, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, my mortgage was sold from Amerihome Mortgage to XXXX XXXX. Amerihome Mortgage has not had my account since XX/XX/XXXX. In XX/XX/XXXX, they reported the account was 120 days delinquent in XX/XX/XXXX lowering my credit score. This is an error. I have contacted Amerihome but they have not come up with a resolve as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Professional Medical Management, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently a debt of {$3000.00} for a medical bill appeared on my XXXX report. Prior to this I contacted the medical company bc they had sent me a bill in the mail that I had no idea what it was for, for that amount of money. I told them over and over submitted documents to them to prove that it was not me. I guess bc I dis agreed to pay this bill they sent it to transunion. It is the result of an identity theft. I have submitted affidavits to the IRS, FCA, and businesses to make them aware of the fraudulent activity I have been experiencing. XXXX needs to ha XXXX this removed from my report immediately as it doesn't not belong to me. 

There is also a XXXX XXXX account that shows negative on my report that I've disputed time and time again. This account was paid in full and was in good standing when closed. Please have this removed as well.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have opened a claim with Bank of America my phone was compromised and my XXXX XXXX was hacked and there was a transfer done for XXXX they denied my claim because I couldnt provide them proof that my phone was hacked. I am getting evicted from my apartment because of this and this sorry excuse for a bank does not care one bit bout my funds being stolen from me. I have had the claim re opened for reconsideration and that will take up to XX/XX/XXXX which does not help me now because my eviction is already in process. Please help me get my money back

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 2021-11-30
Company: Experian Information Solutions 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:
On XX/XX/2021 XXXX added a derogatory mark on my credit report for {$3400.00} per XXXX XXXX and Experian. 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 in the 30 days it was suppose to take. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say its mine .According to the FCRA 623, XXXX has violated my rights and I'm requesting legal action to remove this account immediately. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2022-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I was a victim of fraud. I had someone get all my personal information through my phone somehow and someone hacked and stole money from my banking account. On this day I did make a ATM deposit and move money from one account to the other. After researching ... Im not sure exactly how these people did this but they set up an account on a platform with XXXX using all of my information. When bank had call me to confirm a code that was sent to my phone and I did so not knowing what it actually was. I was thinking it was regarding my recent deposit and money moving I made earlier. So I read back the numbers. Unknowingly authorizing the transactions. I was not aware as to what I was doing in this situation as this has never happened to me in this way. Usually the card would be shut off and put on hold and Id get text message that were detailed and I would confirm. There were 10 transactions ( {$16000.00} ) and 3 went through ( {$4400.00} ). Every rep at BOA I have spoken with can clearly see this was fraud, these people are from a different country and tried multiple times on my account and ultimately did end up with some of my money. I did notice the pending charges late that evening when I logged onto my app. The banks were closed this day for XXXX XXXX, I couldnt get them to stop the pending charges. I called them as soon as they opened and told them that this was not me and to stop all these transactions. They couldnt do anything to stop them they told me. I reached out to XXXX ( only through email ) and they tell me that all their transactions are final. I have pleaded with the bank and open a claim and it was denied 3 times. I dont know what else to do, I need some help.

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 2021-11-30
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX. Whereas I believe them to be a debt buyer, CREDIT CONTROL CORP, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX, XXXX, XXXX, ON THE PUBLIC AND PRIVATE SIDE. Failure to provide such documentary evidence is a clear violation of XXXX XXXX XXXX ( a ) ( XXXX ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( XXXX ) because I have a right to privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: EQUIFAX, INC.
State: NY
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 XXXX, XXXX XXXX and XXXX reporting last payment date of XXXX. I never had any credit cards in default since XXXX. All cards paid in full and closed in the year XXXX. They deliberately moved the last payment date to the year XXXX so that I will be rejected for the low income cooperative. I was rejected for the low income cooperatives loan because of this falsified information. I am serving court documents to have you all appear in court. See attached seven reportings of credit cards last payment in XXXX. Double reportings with different account numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: United Consumers Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have tried numerous times since XX/XX/2019 to make payment arrangements with this company. each time, the representatives are extremely rude, raising their voices and hanging up on me. I offer to make payments and they refuse to accept the amount that I am trying to give, even though I tell them that what they are asking for will put me in a tight spot. I find this to be very abusive and degrading. 

The first time I called, I asked if I can make payments online. I was told that they do not have a way for me to make payments online. and, even if there was, they will not honor any payments that I make because I am not " approved '' to make payments. 

The second time I called, I was over-talked, yelled at, laughed at and was told that there are no supervisors in the company. Then when I demanded that there has to be someone overseeing the office, I was just transferred to a different rep who laughed at me and told me to call back in the morning if I want to speak to someone else. 

The last person I spoke to on XX/XX/2019, who said she was a " supervisor '', implied to that I do not keep my word and that I do not pay my bills. She lectured me telling me that I am in this situation because I can not be trusted to keep my word. Then she tells me that, even though I made several attempts to make payments, it is my fault that no payments have been made and that her Company requested a lien on me because of it. She over talked me and raised her voice and then, because I told her she was making assumptions about my situation, she yelled to me that when I am " ready '' to pay {$800.00} a month, to call back. Then she hung up on 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 2022-02-01
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened Citibank checking and savings accounts on XXXX XXXX, 2022. I had issues with my debit card being declined, even though funds were available. I called twice about that. Then it worked again. 

On XXXX XXXX, 2022, I deposited my paycheck via the mobile app. Later on that day, I couldn't access my accounts. They weren't even showing up in the app or on the website. I called and customer service ( which was outsourced overseas ) and after several transfers and holds, was told that the check I tried to deposit was flagged for fraud, and that it would take a week to process. Checks don't take that long to go through anymore. I explained it was from my employer and it's my paycheck. I asked to speak to a supervisor and was told none were available and I would get a call back in XXXX days. 

On XXXX XXXX, 2022, I called Citibank 3 times. I had bills about to go through and I needed my accounts unfrozen. No one could help me - I was told again that a supervisor was not available. I was able to deposit my check into my other bank, with no problems. So I asked Citibank to stop processing the check, and they said only my employer can do that. My office XXXX said otherwise. I just want my accounts restored so I can move my money out of this bank. I am also looking into pursuing legal action.

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 2022-08-12
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: Their investigation did not fix an error on your report

Complaint:
1. I've contacted The credit reporting agencies, and my banks multiple times about inaccurate information on my report. I've sent debt validation demand letters, and They refuse to provide me proof of two accounts that aren't mine. 
A. XXXX XXXX XXXX the debt is owed by a business, and not mine. 
B. XXXX XXXX XXXX ... it was opened in XXXX XXXX where I've never been.. Used/maxed in XXXX XXXX which I've never been to. I disputed it for years ... No validation of debt ever given. So I gave in and paid it... it still reports as a charge off 5yrs later!!!! 

2. XXXX and XXXX XXXX XXXX XXXX had me in a COVID payment arrangement on my car and credit cards and still reported me 30 days late. I contacted the banks first who both XXXX from XX/XX/XXXX and XXXX XXXX from XX/XX/XXXX directed me to dispute the late pays thru the credit agency 's... I disputed these with the credit agencies multiple times l. Everytime they come back with the late payment validated. I've spent hours on the phone with XXXX, XXXX XXXX and the credit bureau 's. Nothing has been fixed. I emailed 8 corporate officers with XXXXXXXX XXXX and not one responded... These late pays and wrongful reporting have prevented me from refinancing my home, and my rental property which has a balloon coming due ... .i lost my home because I couldn't refinance in XX/XX/XXXX. 

3. I was a victim of Equifax data breach and I have over 60 credit inquiries on all 3 bureau 's, I've NEVER made ... Thankfully my score was so thrown off from the inaccurate reporting the scammers couldn't do anything but apply and get denied. I've disputed these multiple times since the data breach without any results. 

I'm now on the verge of losing my rental property/only income to feed my kids with ... due to the inaccurate reporting. 

I demand immediate proper validation of EVERY single item open or closed your reporting on my credit.. And each item you can not provide proof for will be deleted immediately until you can provide proper validation. 

FCRA 15 usc 1681i 602A states I have the right to privacy.

FCRA 15 usc 1681i 602A section 2 states a consumer reporting agency can not furnish a account without my written instructions. 

Fines associated with these violations could be {$1000.00} per violation. 

This is my final demand before beginning litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: ALLY FINANCIAL INC.
State: ME
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Dear Sir/Ma'am : We bought our car on XX/XX/XXXX. We financed our car with Ally Bank for 72 months. One year latter we had a Chapter XXXX bankruptcy. We were not told if we didn't reaffirm our car loan that it would ruin our credit. To make matters we thought we could eventually drop our gap insurance as many payments would catch us up to the cars value. On XX/XX/XXXX we were told that if we we dropped our gap insurance, that that Ally Bank would not let us lower our bank payments by {$25.00} to {$37.00} as expected.Ally Bank told us they would probably just keep the extra cash against our wills. In our opinion this over reach on the banks behalf. Thank you for your services. XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Aqua Finance, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In XX/XX/2019 I had a water purification system demonstration performed at my house by a awesome rep named XXXX. I was convinced after all the testing to get a system installed. I was so convinced I wanted to get one for my mom who is a XXXX XXXX military vet. I was told by someone at XXXX who called to verify my information, that in order to get both water systems that we ( myself and XXXX ) need to tell the finance company ( Aqua Finance ) that the way my house was designed, I needed two systems. When Aqua called they didnt bring up the issue of 2 systems. I had my system installed and scheduled the demonstration for my mom. She had to reschedule the demonstration due to doctors appointments. She was notified during this time that she had to have XXXX immediately. After further thought, my mom decided not to have they system installed because extra funds were going to be needed for her care. I contacted XXXX to advise them that we were not going to get the 2nd system installed at my moms. I was told that my 3 days had passed and there was nothing that could be done because the finance company wasnt going to make any adjustments. I contacted Aqua Finance who stated they couldnt resend the contract but XXXX can call them and make an adjustment to my account. XXXX refused. They actually became very nasty. I was told that they could drop the system off and I could try to sell it to get my {$8000.00} back. They said that IF they made any adjustments I would have to pay the fees associated. I said ok, how much are the fees, she said at least {$4000.00}. I laughed and asked why would I have to pay {$4000.00}? She said because commissions were already paid and fees were already paid to the finance company. I said it would be like any other company that makes returns/adjustments to commission checks and financing companies and I refused to accept that offer. We argued for weeks over this. When I said I was going to contact Aqua Finance and dispute the amount with them, I was told that I would be jeopardizing my financing and that Aqua could void the entire contract then the {$15000.00} would become due immediately and they ( XXXX ) would be calling me for a check or credit card for the full balance! What makes this situation even worse is the scare tactics they tried to use. I have made my payments to keep the account current until this issue is resolved. I was also told that I received extra discounts on my system because I was getting 2. I advised that the extra discounts went to the second system because they gave my mom a senior discount and military discount. My system had its own discounts. 

I will also be making a CFPB complaint, FTC complaint, AG complaint. They have also violated the FDCPA!

Company response to consumer: Closed with explanation