BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-01
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Our home bank is JP Morgan Chase, on XX/XX/2018 a withdrawal was being made at a XXXX ATM for {$500.00}, machine malfunctioned and ATM door shut on the money before it was disbursed, we were only able to remove {$40.00} from ruined ATM and ATM wouldn't retract our card leaving in the machine. We tried to go into the branch to solve the issue with the card and money the branch manager said its not her responsibility since a third party handles the ATM and that we should talk to our bank to resolve the issue. Chase bank helped us file a claim and credited our account for {$460.00} the next day and canceled our card that got stuck but we paid to have a replacement sent out. On XX/XX/XXXX while checking our account balance we noticed a - {$460.00} on our account and when we spoke to a chase representative at a branch they said they investigated it and XXXX said that what we are claiming is untrue and the ATM count was correct as per what their third party is saying. I tried to call the fraud department for Chase to see what I can do to resolve the issue representative said what I am claiming is untrue and that XXXX ATM showed no fault codes at the time of incident, and that I can not do anything and that I owe the {$460.00} I asked to speak to investigator or whoever handled the investigation, representative said I can not speak to them. If they were to see the video at the time they would know of the fault or at least investigated the ATM records. Chase said I cant appeal the decision and am stuck paying the {$460.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 opened a new XXXX XXXX XXXX in XXXX of 2022. 

I was offered a {$200.00} bonus if I spent {$1000.00} within 90 days of opening the account. 

I spent the {$1000.00}, and waited for my bonus. 

My renter 's insurance policy was cancelled and I got a small refund in XXXX. 

I called them in XXXX, XXXX & XXXX about an interest issue, which they finally resolved on the XXXX call, and asked them about my missing Cashback bonus during the XXXX call. 

They said the insurance refund made me ineligible for the cashback bonus offer.

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 2018-08-01
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX has opened an account using my information to report misleading and inaccurate information on my credit report. I never entered into any contract or signed any documents or made any agreements with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission to. They should be shut down. They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to purchase a home but XXXX is making impossible by reporting misleading and inaccurate information or my credit report. Please remove this fraudulent information from each credit bureau Experian, 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 non-monetary relief
Consumer complaint received 2020-01-29
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to resolve this matter on my own but have not been able to, If you could assist me in resolving this issue. The following account is not mines : XXXX XXXX XXXX XXXX XXXX {$120.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD
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 have disputed a incorrect information on my chexsyatems report in XX/XX/XXXX and ask for evidence in there investigation and they have failed to yet provide me with any evidence and it has been well over 30 days now.

The dispute in question is from XXXX XXXX XXXX XXXX, I had an account with them back in early XXXX to late XXXX and I close the account because they keep on causing problems with the account, ( example. ) I had an employer direct deposit in the account and they would let him after deposit my pay he would go back in my account and withdraw everything out my account then put back what he want to, so I reported the matter to the police and had the account close, now on My chexsyatems report XXXX XXXX XXXX XXXX is reporting that my account with them was NSF.

I have ask chexsyatems to verify and validate the account and provide me with evidence and they refuse to.

I have all my communication with chexsyatems if need and I have not contacted XXXX XXXX the matter.

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 2018-08-07
Company: SYNCHRONY FINANCIAL
State: NC
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:
This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. XXXX XXXXWALMART has been reporting incorrect information on my credit reports. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to XXXX XXXX/WALMART, which was received by the company on XX/XX/2018. On XX/XX/2018, XXXX XXXXWALMART sent me a letter simply indicating that it terminate collection, which was received on XX/XX/2018. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting description of the procedure used to determine the accuracy and completeness of the information that was sent to me. I also requested the name, address, and telephone number of each person who personally verified this alleged account, so that I could inquire about how they verified without providing any proof. This follow-up certified letter was received by the company on XX/XX/2018. 

On XX/XX/2018, exactly 31 days after the receipt of the certified dispute letter was received by the company, I pulled my credit reports again, only to reveal that XXXX XXXX/WALMART had violated the Fair Credit Reporting Act, FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not properly providing the credit bureaus with proper notice within the required 30-day timeframe. 

Therefore, on XX/XX/2018, I sent a certified dispute letter alerting the company of such violation, which was received by the company on XX/XX/2018. As of today, XX/XX/2018, XXXX XXXX/WALMART has failed to comply with the laws of the FTC and the FCRA, and they are still reporting inaccurate, incomplete, unverifiable information to the credit bureaus, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.

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 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize or agree to XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: CO
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: Problem with personal statement of dispute

Complaint:
I sent a dispute/Debt validation letter to Experian Tuesday , XX/XX/XXXX, regarding a fraudulent account, I was not provided with a contract that ties me to the account or that proves the account is my debt. 
Status : Collection account. {$3300.00} past due as of XX/XX/XXXX. 
Comment Completed investigation of FCRA dispute - consumer disagrees. 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
I was never provided physical verification of the original signed consumer contract. In addition to that, I was not given the method of verification, who investigated the dispute Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

That's not what they are attending to do.

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 2017-12-10
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: Old information reappears or never goes away

Complaint:
I have multiple inquiries that I 've called Transunion and asked them to remove yet they are still there even after explaining that I never authorized nor applied for credit with one company. I sent a copy to XXXX collection agency that a bill was paid for {$100.00} for XXXX yet that is still on there plus some other outdated information. Seemingly the other two credit reporting agencies can not seem to match either and I am disturbed that my score went down when payments on my few accounts are up to date and that my student loans were forgiven so they should be off. I do hope that this can be resolved as soon as possible as I 'm sick of speaking to various folks who seem to not even live in the USA.

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 2018-05-27
Company: JPMORGAN CHASE & CO.
State: WA
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:
Chase reported my account XXXX over 30 days past due on XX/XX/2018 when the payment was made. The information needs to be corrected on my credit reports. This is an auto loan. My name is XXXX XXXX and my tel number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On Friday XX/XX/2018, I conducted a conversation with XXXX XXXX XXXX XXXX XXXX XXXX regarding the late fees and interests charges to my account. In speaking with a representative, I was told that my payment was received, however the form of payment was not shown. I explained to the representative that I made a full payment of {$160.00} on XX/XX/2018 putting my account into a XXXX balance owe. This amount was reported by the automated system upon making the payment. The representative was unable to assist any further. I was then transferred to a Supervisor to further discussed my grievance. I repeated what was stated to me by the representative prior. The supervisor then explained he was not certain where the previous representative was looking for this information. He stated when my payment was received and indicated that my balance was {$180.00} and that is what i was responsible to pay. I repeatedly disputed this amount with him stating that its was not the correct amount owed and to further investigate. In which i was told no further result would come of it. We were not able to resolve this matter. I would strongly like an investigation to be done as this is now beginning to affect my credit rating as well as negative reporting due to the companies lack of investigation. Thank You for you time, Ms XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
Transunion completely ignored several requests that I have made for them correct my name, address, telephone and employment for over a year. I have filed several disputes regarding this matter and nothing has changed. These inaccuracies are damaging to my personal credit file and it's hindering me from obtaining 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 non-monetary relief
Consumer complaint received 2018-10-08
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:
I'm not sure how this happen but I personally took care this with another company that called me XXXX and XXXX on behalf of XXXX XXXX bank. How is this still showing on my credit report with a balance? Why is my credit report has an error where is not showing what company XXXX XXXX sold to. I believe this is an error and federal and state violations under the Fair credit reporting laws.

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 2018-07-16
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is a complaint about my XXXX XXXX, which is handled by Citibank , N.A . 

I had setup automatic payments of {$27.00} per month for my credit card, however, the payment was posted approximately 5 hours after midnight on the due date for XX/XX/2018. This seemed to be due to a delay in handling by the credit card company. 

The credit card company charged a {$27.00} late fee, and when I refused to pay that late fee they charged another {$36.00} on top of that. They later reversed the late fee for XX/XX/XXXX, but refused to reverse the one for XX/XX/XXXX. 

In addition to charging fees for problems that appear to be caused by their processing department, the way they apply payments is deceptive. When I make a payment online, the website clearly states that payments will reduce the balance I owe on my 6 month no-interest plan. However, in reality, payments are first applied to any fees before the balance. This has the effect of increasing substantially the amount that they receive in finance charges since the finance charge for the balance is accumulating over a period of months, whereas the finance charge for fees only starts to accumulate from the time the fee is assessed.

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 2022-12-14
Company: Aargon Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Aargon Agency is Reporting negative debt on my credit profile the amount is {$670.00}.

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 2021-03-30
Company: WELLS FARGO & COMPANY
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:
XXXX Has failed to provide documents requested on my prior dispute to the CFPB submitted XX/XX/2021 on which I ask for documentation I needed to verify the opening date on the account reporting on my credit report by XXXX thats is not matching my records. They responded saying and verifying that they can not provide the account because they dont have it. This complaint is because they have not remove this account from my credit and that account is still reporting violating my rights under section XXXX of the FCRA. Attach I am providingthe CFPB with the letter I received from XXXX after the complaint confirming the FCRA Violation.

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 2020-11-23
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage, Loancare, disbursed money out of my escrow account to pay taxes that were supposed to be paid at closing or before closing. They paid XXXX XXXX Treasury Department {$1100.00} in XX/XX/XXXX for XXXX taxes, which I was not responsible for. I closed on my house XX/XX/XXXX. The closing documents clearly states the property taxes were prorated for 5 months and were not due until XX/XX/XXXX in the amount {$450.00}. I have been in communication with XXXX from XX/XX/XXXX XXXX XXXX, XXXX from XXXX XXXX Treasury Department, XXXX from XXXX XXXX XXXX, and XXXX from Loancare. No on is admitting their mistake. 

This started whenI received an invoice from Loancare stating I needed to pay them {$480.00} by XX/XX/XXXX or they were going to increase my mortgage payment by {$40.00}, to replenish my escrow account. 

I have been dealing with this for well over a month and no one is admitting their mistake, meanwhile, I've have to make two payments of {$40.00}, to Loancare for the " insufficient '' escrow account. 

I would like someone to contact my as soon as possible so we can get this resolved and I can 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 2021-04-27
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXXXXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXXXXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX SXXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I do not have dates and amounts. This has been ongoing for years. Fees are incorrect. I even had another account shown up on my log in and then disappeared.

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 2020-05-26
Company: Experian Information Solutions Inc.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$2700.00} XXXX  XXXX XXXX {$68.00} XXXX XXXX {$280.00} XXXX XXXX XXXX {$930.00} XXXX   XXXX  XXXX {$15000.00} XXXX XXXX {$970.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX {$780.00} XXXX   XXXX {$1000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 2018-10-08
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I have disputed the late payment status reported on the account XXXX FKA XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP

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