BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I called my streaming provider XXXX about my reception was told there was a long wait someone would call me back, someone called me back from customer service.He looked up my account and said you have open accounts in your name from other states can I have your ok to shut them down. I said sure don't want that to be happening so he takes some time and he said there all shut down but someone is taking {$440.00} out of your banking account at the XXXX gas station on XXXX XXXX can you go there, I said yes it's very close so I go and he said put your debit card in to stop transaction, saw a sign on ATM saying XXXX, I told him I'm not putting my pin number in and he said just put these numbers in that he said over the phone and he said ok payment was stopped. I ended the call and called my bank to report what was said to me, the person I spoke with said I had to wait til it cleared before I could do anything so that Wednesday it cleared and I filed a claim they refunded the {$440.00} and said they will look into it so a few days later I get a letter from them saying there was no error and took the money out leaving me - $ XXXX go to the bank and they shut down my account and gave me new account, so I call the the bank fraud service and they said know one put in my account of what happened so now I go back to the bank and said what do I have to do to get this resolved, get a lawyer, and she said I can't talk to you anymore and someone will reach out to you..I said my SS check is here and I need to get to my new account but she wouldn't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: JPMORGAN CHASE & CO.
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 status incorrect

Complaint:
I have been making on time payments with Chase Mortgage and it showing on all three bureaus XXXX, XXXX and XXXX  credit reports in XX/XX/2018 multiple 30 day late payments. I would like these incorrect 30 Day late payments to be removed. I have reached out to Chase twice this year, with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Rocket Mortgage, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have perfect credit and received a favorable loan estimate from Quicken Loans for the RE-finance of my Condo. While the loan was in underwriting, a person proceeded to tell me they cant move forward with the loan because it wasnt my primary residence. I provided all documents proving my Condo is my primary residence and that I own no other house but they insisted I dont live there. I paid for an appraisal {$500.00} and they kept my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: TN
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A, States I have the right to privacy 15 U.S.C 1681 Section 604 A Sectio 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

Proof has been sent numerous of times without any update on the report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a business credit card with American Express. My business experienced some financial hardship and struggled to make the minimum payment for 4 months. I experienced extremely aggressive calls, and I'm not clear whether they from American Express or a debt collector, but I had to block communications because the callers either could not or would not discuss my business ' recovery plan and a new payment plan. I continued paying the card even though I could not always make the minimum. 

I'm happy to say the business started to recover. Because I had to block phone and email communications from American Express and companies representing them to avoid harassment, I sent communications to American Express by letter starting in XX/XX/2019 to attempt to resolve the account. 

American Express then put the business card on my personal credit report with a negative status. In XXXX I was served papers by XXXX XXXX XXXX filing a lawsuit against me personally, and it was filled with incorrect information including an incorrect balance. To me, this is escalated harassment. 

I contacted XXXX and negotiated settling the account. I specifically requested removing the business credit card account from my personal credit report. My business completed payment swiftly, by XX/XX/2019, but American Express still has not removed the account from my personal credit report. American Express incorrectly reports the account as settled in XX/XX/2019 and has changed the status to be even more negative. It has been 4 months and the negative report has devastated my credit score. 

I have tried to resolve this both by filing disputes with the credit bureaus and by sending letters directly to American Express ( both to the company 's credit bureau department and the company 's headquarters ). I keep receiving obtuse replies that the account status is updated with the credit bureaus. ( The account shouldn't be listed with the personal credit bureaus at all, that is the problem. ) I don't receive any direct responses to my specific request to meet the terms of our settlement and remove this business account from my personal credit report. 

I acted responsibly in my business and my thanks is a personal credit score that will not recover for 7 years, causing significant personal financial hardship. 

All of the letters I sent to American Express and other details are available if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
From XXXX XXXX Bank of America freeze the unemployment insurance benefits, which made it very difficult for me to unfreeze my prepaid debit cards or to report fraudulent use of my cards. Identity theft affected eligible cardholders with legitimate prepaid debit card accounts. 
In addition, the bank denied some notices of error submitted by prepaid debit cardholders that the bank had previously investigated and paid. The bank told me they had agents available 24 hours a day, seven days a week, when in fact, it operated a more limited schedule for its claims call center and their website was frozen or was unavailable for several days due to technical problems. 
Bank of America automatically and unlawfully froze my account with a faulty fraud detection program and then gave me little recourse when there was no fraud, for the Bank didn't conduct a reasonable investigation. This put a low limit on unemployment insurance froze my account and left me needing the money. 

Information about my XXXX account : My online XXXX XXXX XXXX XXXX account With Bank of America shows that I have received payments from : XXXX XXXX- XXXX XXXX Total {$2100.00} XXXX - Sep/ XX/XX/XXXX Total {$2600.00} No benefits were received from XXXX XXXX To XXXX XXXX. Additionally, no benefit has been received from XXXX/ XX/XX/XXXX to XXXX/ XX/XX/XXXX. 
I have worked full time and have been out of work since XX/XX/XXXX, due to the XXXX XXXX in California. 

Please See the attachment ( XXXX ) : Statement from XXXX XXXX to XXXX XXXX History Driven XXXX Benefit from XXXX to 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 explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$5500.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2022-02-22
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This account with CB/WAYFAIR  XXXX has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Experian Information Solutions 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 information incorrect

Complaint:
I recently mailed you a letter disputing items appearing on my credit report, which you maintain. Your response to my letter was to deem my letter " suspicious '', implying it was not written by me and furthermore in a threatening to report my letter to law enforcement and/or state and federal regulatory agencies. Your response is ludicrous. 
Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed. Please remove the following items : 1. I have never been late with payments on this account. 
XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Other information I would like changed XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

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 2020-10-09
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2020 I was assisted by XXXX XXXX at Chase Bank in XXXX XXXX FL with a wire transfer of {$20000.00} from my saving account to my mother 's bank account in USD currency at XXXX XXXX in XXXX. I said twice to Miss XXXX that the funds are have to remain in USD currency and that the recipient account is in USD currency. Transaction number ( contact id ) : XXXX, Confirmation Code? chase wire tracking number : XXXX. On XXXX XXXX {$19000.00} were available to my mother. I arrived in XXXX, XXXX on XX/XX/XXXX and went to XXXX XXXX and was told that the funds were sent from chase bank to arrive in XXXX  ( XXXX XXXX XXXX ). And because of that the funds when to Invest bank, before they reached they destination at XXXX XXXX. So invest bank converted the funds back into USD because the recipient account is in USD. So, mu funds were converted 2 times and I never asked for that to happen. Because of the current conversion rate of that specific date {$730.00} are missing. I expect Chase bank to provide those {$730.00} to my savings account in order to fix the mistake that XXXX XXXX have done which have caused me a tremendous frustration over the past few weeks. 
My email is : XXXX My Bulgarian phone number is XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-10
Company: DISCOVER BANK
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Discover card was deceptive on their terms concerning a credit card I opened with them in XXXX of 2022. They gave me a credit limit of {$2000.00} which I have been using over the last 9 months. They froze my account suddenly and requested form XXXX to be able to look at my tax returns. There is no fraud on the account and I am current on it. I contacted them and was informed that this was standard protocol now for them. The email that they send out about this also looks like a deceptive phishing email from a XXXX party. This all seems highly invasive for a small credit limit. This is a huge invasion of privacy after the fact, as they did not request this upfront before extending credit. There was no mention of it. Tax transcripts are an excessive request and had they requested them before extending me credit that I used, I would not have decided to do business with them. I simply would not have trusted them to keep that information safe as do state in there user agreement that they sell data. Also, I file my taxes jointly with my wife. Asking my wife to provide her sensitive financial information for me to keep the account is not a reasonable request. She is not financially or legally obligated to comply. They will close my account if I do not fill out the form, thereby negatively affecting my credit and finances. This is a very deceptive business practice. I would not have opened an account with them had they asked for this info before approving me. Asking for tax transcripts 9 months after you have opened an account and threatening to harm your credit, is extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2023-07-27
Company: Chime Financial Inc
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Ive tried to called chime on multiple occasions and even asked to speak to a supervisor and Ive talked to multiple ones and nothing they keep denying my claims messing up my accounts and hanging up I think they agents are stealing from customers Ive even sent in police reports and showed proof and nothing they just keep sending my denial emails and canceling my cards and sending my new ones but thats not fixing the issues charges still was made on my account due to my phone and card being stolen over XXXX was stolen from me if not more and I already complained and nothing has happened another incident a shop charged me for a oil change just to put dirty oil in my car and charge me extra for an alternator and I called and told chime I never got an alternator and they denied that too even after I was on the phone with them at the shop

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in disputing all incorrect information on my credit report with Equifax. please delete an remove all inaccurate data that is hindering my file. asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was alerted in XXXX by Best Buy XXXX XXXXXXXX XXXX that there was possible fraud on my account. I immediately called and verified that the XXXX transactions performed on XX/XX/XXXX were not made by me and that I was in possession of my card. The agent immediately closed my card and issued a new one. On XX/XX/XXXX the XXXX charges were reversed. A few weeks later I received and activated my new card. The next communication was that I had received a letter dated XX/XX/XXXX that they were still investigating. There was no further communication until I checked my most recent statement on XX/XX/XXXX. All XXXX charges were added back to my account. I called the number on the XX/XX/XXXX letter and the agent I spoke to said the charges were determined to be mine based on the charge back information I received. She walked me through a series of questions and told me that she would escalate the issue to be looked at again and to disregard the package that was recently mailed to me with the details. I am to expect the charges to be credited to my account in XXXX - XXXX business days. 
Here are my concerns : XXXX ) this was fraud so why did they add back the charges? XXXX ) I received the package today with XXXX pages. It has the name address and phone number of the XXXX people that used my card along with much more detail. Even though it's a fraud situation I would believe this might also be a privacy issue for an information breach. 
Please feel free to contact me if you need to.

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 2023-07-19
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a title loan from Title Max. They charged me a high interest that no one told me about. I have been paying {$1100.00} a month for over a year and they say that I still owe them over {$10000.00}. I only borrowed {$2500.00}. I can not continue to pay them that kind of money every month for only them to tell me that my interest isnt going down. My monthly payment only let me rent my own XXXX car for a month. I have no more money and my car is about to be taken. How can I seek help. At this rate they will get {$20.00} for a {$2500.00} loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: TN
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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$24000.00}

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 2023-02-10
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have 3 months of outstanding payments with a Citibank Credit Card. They've been calling me at least 4 times/daily. I haven't answered the calls since I'm not in the financial situation to arrange any payment plans. Their repeated calls are a harassment.

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 2021-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation