BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-12
Company: Experian Information Solutions Inc.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have New AND UPDATED INFORMATION ABOUT EXPERIAN. 
EXPERIAN RESPONDED SAYING THEY WOULD REINVESTIGATE WITH THE FURNISHERS AS I REQUESTED, WHEN THAT IS NOT THE INFORMATION I AM REQUESTING, I AM REQUESTING PROOF OF THE INVESTIGATION THEY COMPLETED BEFORE ALLOWING THE FURNISHERS TO FURNISH INACCURATE INFORMATION ON MY CONSUMER REPORT, INCLUDING EVERY PERSON YOU INVESTIGATED WITH ALONG WITH THE INFORMATION I REQUESTED IN THE RESOLUTION AREA. 
I CALLED EXPERIAN TODAY TO SPEAK WITH SOMEONE REGUARDING THE DISPUTE ( XXXX EXPERIAN REPRESENTAIVE ) TRANSFERRED ME TO A SUPERVISOR BECAUSE SHE WAS UNSURE WHAT TO DO, THE SUPERVISOR GOT ON THE LINE, I ASKED IF HE CAN EMAIL THE TEAM THAT HANDLES THE DISPUTE HE SAID HE DOESNT HAVE ACCESS. I WAS NOT ABLE TO REACH SOMEONE THAT CAN CONTACT THE BACK TEAM TO GIVE THEM THE CORRECT INFORMATION AND WAS TOLD BY THE SUPERVISOR THE ONLY WAY TO CONTACT A BACK TEAM REPRESENTATIVE WAS TO FILE A CFPB COMPLAINT OR MAIL.

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 2021-09-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Chase Bank has stolen my car for a debt that they have not validated and are trying to get me to pay XXXX to get the car back. 
They have violated at least 10 consumer laws and FDCPA violations. 

I'm sure its more in the contract which I will point out once I receive it. I've had to deal with a lot of stress and anxiety since they have stolen my car. Had to start ubering my child to school with no car seat in the middle of the pandemic. And that has put a lot of trauma in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Experian Information Solutions Inc.
State: DE
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:
The credit report have the wrong name. address and phone number on my credit report. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX De XXXX and phone number is XXXX. The other information is incorrect

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 2022-02-12
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I deposited {$1500.00} cash into a person 's Wells Fargo account. I was under the impression that I was putting down first month 's rent and deposit for an apartment. I was told the keys would be mailed to me. I had been corresponding through the scammer ( who I thought would be my landlord ) via text and e-mail. I followed his directions to make this cash deposit into the account number that he gave to me XXXX. A few hours later, my dad told me I had been scammed. I went back to the branch to explain the situation and they looked up the account number and told me that it had been flagged for fraud ; no money could enter or leave the account. The banker told me there were several other cash deposits made in the same amount into that same account from other locations. I filed a police report with the XXXX XXXX PD. For the past month I have been in correspondence with the Branch Manager. ( Wells Fargo Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). He told me the case is being investigated and that there were other victims. I have been e-mailing him several times a week asking for updates of my claim and he told me that it was " under investigation '' with the " resolution team '' as well as being escalated to a " research team. '' I was told they have my contact info but have not been reached by them. I have also not been able to reach anyone at Wells Fargo about this except for the branch manager. All I have is a reference number # XXXX. <P/>As of XX/XX/XXXX I have confirmation from the branch manager who also happens to be the Assistant Vice President of the XXXX XXXX Region XXXX XXXX ( XXXXXXXXXXXX XXXX ) that my money was never liquidated from this account and that Wells Fargo is in fact in possession of my {$1500.00} cash. <P/>Because I am not a Wells Fargo customer and this was a cash deposit, XXXX has told me Wells will not give me back my money and has told me to go to the police. I told him I already filed a police report. I inquired how the police are supposed to help me get back my money if it is in the possession of Wells Fargo. There is video evidence and a receipt proving I was the one who deposited the money. <P/>This is two months worth of rent money that I really badly need. I am a victim of a scam and I need Wells Fargo to do the right thing and return my money to me. <P/>I was never contacted as the victim of a scam and am now being told I am not entitled to getting my money back. My only communication with Wells Fargo has been through the branch manager 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 2019-05-24
Company: JPMORGAN CHASE & CO.
State: TN
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:
Since XX/XX/XXXX Chase has been running " a credit application '' for various " amazon credit accounts '' that I'VE NEVER APPLIED FOR! I've filed various complaints and asked that they STOP! The previous complaint that I filed through you resulted in them " masking ' the inquiry but apparently not in them stopping the activity since on XX/XX/XXXX it was done again according to the attached letter. I WANT THEM TO STOP! In addition to this request I WANT THEM TO PROVIDE ME WITH THE IP ADDRESS THAT THE APPLICATION WAS SENT FROM SO THAT I CAN TURN IT OVER TO THE FBI INTERNET CRIMES DIVISION so  the culprit can be prosecuted accordingly. I was told with the XX/XX/XXXX inquiry to ask for this information in writing so in addition to telling them to STOP, I want the IP information sent to me in this response. I want them to remove the fraudulent activity of course.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 Section 2 it also states a consumer reporting agency can not furnish a account with my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-16
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted Caliber after I moved in on XX/XX/XXXX and on XX/XX/XXXX my ceiling fell, and on XX/XX/XXXX damage to dining and basement from heavy rains. I spoke to Caliber home on 3 occasions. One the first call the representative told me that he would send out an application for a Forbearance. I filled out the application and returned it. I received notification from Caliber that my loan was in review for modification but not forbearance. I called and spoke to a second customer service rep who indicated that I would not receive a ding on my credit report because my account was not actually 30 days past due and that it was in modification. On XX/XX/XXXX, I received a 30 day late on my loan and immediately called Caliber but could not get through until XX/XX/XXXX. I spoke to a customer service rep and supervisor who both indicated that the previous reps did not give me the correct information. I advised that I have a late payment on my credit report and I want it removed because I was told that I would not receive any ding on my report. The Supervisor, XXXX at first did not believe me, but finally agreed to listen to the conversation with both reps and advised he would try to get XXXX payment updated. I advised XXXX that as a company and holder of my mortgage they have a duty to provide the consumer with correct information. You can not lie to the consumer on a recorded call, send documents that support the lie and then say no we can not use that program so you now have a late payment on your file. I advised XXXX that I do not have any late payments on other bills, in addition, I work for the federal government and can not have inaccurate information reporting on my credit report. I hope CFPB can assist me with this situation. It's so unfair that I have to go through this as a new home owner especially given the catastrophic damage to my home three days after my young daughter and I moved in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20
Company: Chime Financial Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On Friday XX/XX/17 we received an email that we joined Chime and an alert to a new login from Texas. We are in Pennsylvania. We never opened this account. The same day we emailed the support email and they asked for photo ID and SSN number. We told them no way. Then they asked for a photo ID and the last for SSN. We reiterated we did not open this account. They have not told us the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: WELLS FARGO & COMPANY
State: NY
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:
Previous complaint submitted through your agency. ID # XXXX. 

Well 's Fargo credited a total of {$110.00} to my account on XX/XX/XXXX, but charged me {$71.00} for not paying the balance on my statement ( for XXXX ) I did not pay additional charges as these were the charges for late fees and interest that did NOT belong on the account. 

I spoke with representative XXXX, at Wells Fargo, this morning who says that the charge can not be reversed. To add insult to injury, if I were to pay the {$71.00} " other charge '' amount on the statement today, they would still add a {$40.00} late fee to my next statement for not including this amount in with my XXXX payment. I went over this with XXXX, via a telephone call that just ended minutes ago. She told me that if I logged in and paid this amount today, my next statement would be {$500.00}. ( My normal monthly payment of {$460.00} plus a {$40.00} late charge on a charge that wasn't supposed to be there in the first place ) What kind of interest or extortion is this with Wells Fargo? The late charges and interest were the error of Wells Fargo and now I am supposed to pay yet another ridiculous fee because the statement was already sent out? 

I want these charges removed from my account as this is fraudelent on their part. I had my windows replaced and have paid faithfully and on time every month. It is not right that they are charging me a fee on something that was their error.

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 2019-01-31
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Removed as an authorized user moths ago shows her having a monthly payment of {$71.00} a month and a balance of over 1000 please remove the account from my profile as Im no longer an authorized user 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 2022-02-12
Company: WELLS FARGO & COMPANY
State: FL
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:
On XX/XX/XXXX My Bank is Wells Fargo XXXX XXXX XXXX ( From Wells Fargo ) I filed a claim to Wells Fargo about a transaction total of XXXX from XXXX XXXX XXXX and I never had anything to do with them. It was 3 transactions of the following. 

XXXX/Bill pay/ XXXX To XXXX XXXX  XXXX Credit Card XXXX/Bill pay/ XXXX/To XXXX XXXX XXXXXXXX Credit Card XXXX/Bill Pay/ XXXX To XXXX XXXXXXXX XXXX Credit Card As soon as I woke up I reported this transaction as fraud immediately to Wells Fargo and they had me create a new bank account with a new username and password. 

On the XXXX I went to my local police station and reported this transaction to them as Bank fraud and told me they would begin their own separate investigation into the matter. 

On the XX/XX/XXXX I was sent a provisional credit of XXXX. I was told that this was a temporary amount until they were able to investigate further in a letter later that the case had to be investigated further. 

On the XX/XX/XXXX I received an email from my local police department which had said the following " I have hit a dead-end in your case. Wells Fargo was not able to provide enough information for me to subpoena XXXX  XXXX XXXX for the recipient of the funds. XXXX can not provide customer identification information with a partial card number. I see that you have been refunded the money, according to their letter, and they consider that you have been made whole. This may be why they are not retaining records that could further my investigation. Please continue to keep track of your accounts and be mindful of unauthorized transactions. '' I had taken this as my case being resolved which made me relieved and satisfied for the time being. 

On XX/XX/XXXX ( This following letter was sent out on XXXX/XXXX/XXXX I then received a letter basically telling me one of the following, " We have not completed our research of your claim and found these transactions were made by you or someone who had your permission to perform transactions on your account. As a result, the provisional credit provided to you earlier will be reversed within 10 business days from the date of this letter. Please consider your claim closed. '' I was very frustrated by this because I had thought my case was completely done with. So apparently on the XXXX of this month, the money would be removed from my account. I never had anything to do with XXXX in my life which is very frustrating indeed and I don't even have that kind of money to be spending anyway.

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 2017-07-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I was 3 months behind in my car loan, which paid XXXX dollars a month.the transporter came to the driver 's and took my car repossessed.for not paying. I only needed XXXX dollars to finish my contract and pay my car. In XX/XX/XXXX when the transporter from chase took my car the the a car was in good condition.after a few days the bank indicated to me that I would have to pay XXXX to get it back and I would not sell it.I paid Via wire in XXXX XXXX. To my surprise on XX/XX/XXXX I  pick up my car .. and they deliver it to me with the broken glass behind, the trunk that does not open and the driver window that is not opened. Which chase payment indicated to me that I had to speak to the hot line of the bank and put a complaint. So I did. And then the bank takes 3 weeks since then telling me that they are still investigating and that it will take time to resolve who is to blame and they will let me know

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-12
Company: Experian Information Solutions Inc.
State: MD
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:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX AUTO 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 2018-01-30
Company: Capital Management Services, LP
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I sent a letter out to capital management services/university XXXX XXXX on XX/XX/XXXX. They responded on XX/XX/XXXX that they received my letter requesting verification of my supposed account. However, I didn't request verification but VALIDATION. I have yet to receive another letter, including validation of the debt. So I believe that it is safe to assume that they can not provide the requested information. I also sent them a letter out on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: EQUIFAX, INC.
State: VA
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:
There is a hard inquiry on my credit report that I know nothing about. I have never tried getting credit at this business. The business is : XXXX ( it says it is a clothing store ). There was no authorization for this company to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: CAC Financial Corp
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have medical insurance to cover my medical bills but for some reason I have {$800.00} medical bill in my credit. Never did I know that I had a bill cuz I thought medical insurance would take care of all my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I feel that I am continually being lied to and mislead by Transworld. I never received proof of the debts from Transworld, and if I had I would have resolved them so they would not hit my credit report. Also  Transworld continues to tell me that they are bound to report the accounts however when I have contacted other such agencies in my state they have informed me that they have and do delete from a credit report. So it is obvious that this is their company policy and not an actual law, they have lied to me and knowing that their is zero benefit for the collection company to report these accounts as they are paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: DISCOVER BANK
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I GOT APPROVE FOR A CREDIT CARD FOR 4000 $ NOW AFTER WEEKS OF APPROVEMENT. THEY TELL ME MY CARD IS CLOSE. THE REASON WAS FOR MY ASK FOR MY TAX RETURN. AND I THEY I ENTER THE WRONG address.

Company response to consumer: Closed with explanation