BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My phone was stolen out of my hand on XX/XX/2022. The criminals made a Chase XXXX payment to XXXX XXXX for {$2000.00}, Chase initially refunded the fraudulent payment, but then reversed it on XX/XX/XXXX, costing me {$2000.00}. I had 20+ other fraudulent charges across my credit card that were reversed, but according to Chase I authorized the {$2000.00} XXXX payment, even though the exact same day my account had multiple fraudulent charges and my phone, Chase app and credit card were stolen. I have never made a payment to this person before, and did not authorize it. This is fraud and JP Morgan Chase Bank did not follow CFPB regulation E. Please help refund my stolen {$2000.00} and hold JP Morgan Chase accountable for their unlawful and unreliable accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The bank Wells Fargo regarding account ending in XXXX where the bank committed the act of diversion of funds and stole my atm deposit of XXXX dollars dated XX/XX/2021 the adjustment made the same day is dictated not to be related to the deposit itself the bank has harrassed myself in resolving the matter and has committed the theft of fund once before regarding a check with an outstanding balance of several million dollars. The department of treasury contacted an issue related to the check and its theft. The outstanding balance was confirmed by its issuer XXXX  XXXX XXXX for the initial act of theft the bank has perpetrated against me. I have the bank statement to prove the diversion of funds.

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 2018-09-07
Company: JPMORGAN CHASE & CO.
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
A non authorized credit card application was submitted to Chase Manhattan Bank. In response to this Chase denied the card and that resulted in 52 points down in my XXXX XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29
Company: EQUIFAX, INC.
State: ID
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 been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
I use Bank America payment process to pay off deft every month and the month of XXXX they did not process my payment which result in a late fee and penalty and interest charge which I had to stop using their online site to iniate payment from another source. Refund my late fee and interest charge for they look at the past two years and see that I always make payment and it their system that fail.

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 2022-01-13
Company: EQUIFAX, 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: LDF Holdings, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I took a lone in XX/XX/2018 from Bridge Lending Solutions. The interest rate was huge and I later learned they were an illegal lender. I have asked for validation of the debt and to settle for the principal amount of the loan. I believe it was for approximately {$500.00}, however they will not validate. 
Bridge Lending Solutions sold the debt to XXXX XXXX. XXXX called my sister in law pretending to be an attorneys office and told her I was in danger of being arrested due to a debt that I owed. I called them immediately, and while I could tell they were impersonating an attorney 's office, I did set up payment arrangements on the account. I still have not received the written verification that I requested. 
I called due to needing to reschedule my payment and spoke with a representative who was very rude. She would not cancel my payment as requested but did reduce it temporarily for XXXX payment. She threatened that if I did not make the agreed upon payment they would take me to court. She said they would garnish my wages, but I told her that was illegal in SC. She then said they would get a judgement that was worth over 3-4 times the amount owed. I again told her this was illegal and that I wanted to speak with her supervisor. She told me she did not have a supervisor. 
I asked for the full company name and all she would tell me is XXXX. I asked for the address, and she refused to give it to me. Which, I again told her was illegal. All she would give me was an email address : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Experian Information Solutions 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:
xperian, XXXX and XXXX has a collection and inquiries on my credit report that is not mine. 

XXXX XXXX collection is not mine. 

inquiries reporting that are not mine : 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 explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, 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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried a countless amount of times to get through to the Bureaus that this account " XXXX XXXX XXXX  '' does NOT belong to me. They have claimed to verify it, however ; when I submit supporting detail to prove that I am NOT the rightful owner of this account as well as request their methods of verification they completely ignore my request. I know that it is a direct violation of my consumer rights to report false information but also to ignore a request for methods of verification. 

I am taking my credit very seriously and the severity of the mistakes being made by these companies is getting worse and impacting me by the day! Something needs to be done about this because they show no concern for the legitimacy of my report and they are legally required to do so! 

I have not received a response even after submitting proof on several occasions. XXXX is the only Bureau that did the right thing by removing this unverifiable account. I am still curious to know how the other Bureaus could verify an account if XXXX could not.

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 2019-04-24
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have asked on multiple occasions for this company to not call me or leave voicemails. I still regularly get calls and threatening voicemail messages which I have saved starting afert the first time i made the request. When I have called back to escalate to a supervisor to again make sure the calls cease I have beem hung up on more than once!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been banking with SunTrust for over 25 years and always have been satisfied with their product and customer service. Now that they are Truist, the online banking app has changed to a much more vague depiction of real time activity. Regardless, on XX/XX/22, I had a balance of XXXX. On XX/XX/22, I made 3 transactions debiting a total of XXXX and then also transferred XXXX from my savings to my checking. That would have put my balance at XXXX. However, at some point on the night of XX/XX/22, a electronic automatic bill was posted to my account in the amount of XXXX. Although that XXXX is still pending as of XX/XX/22, I have been charged an overdraft fee for every transaction on XX/XX/22 & XX/XX/22 totaling {$140.00}. I was not notified by the bank of the problem via email until XXXX am on XX/XX/22. I immediately moved more funds from my savings to cover all the fees and transactions and then called customer service at XXXX to try to resolve the matter. I spent 45 minutes on hold before ever speaking to a person, I then spent another hour attempting to get reach a resolution. I was repeatedly told that nothing could be done. This is predatory. The charge of XXXX has not come out of my account yet but Im being charged an additional {$36.00} for every transaction that actually has come out of my account. Not only do the excess fees cause financial hardship, I have now missed significant work in an effort to resolve the matter. Almost 2 hours on the phone is for nothing is completely ridiculous.

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 2018-01-12
Company: LendUp Loans LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a payday loan in XXXX of 2016 through the company XXXX but the lender was listed as XXXX XXXX XXXX XXXX XXXX XXXX. I defaulted and then set up a payment plan with XXXX, the collection agency that works directly with Lend Up. I have one more payment until this is completely paid in full. 

I recently received a phone call from XXXX XXXX. They also contacted my mother and sister stating I owe them this money for XXXX XXXX for the same account. The amount owed they stated was not even correct. They were asking me to set up a payment plan or they would be filing a case with the court system. 

I did not want to agree to anything because I was not even sure of the account this XXXX XXXX was referring to. After some research, I realized XXXX XXXX was the lender through the loan I received from the XXXX company who already has XXXX collecting the money I owe. And, now this XXXX XXXX is attempting to collect the same debt. 

I want XXXX XXXX to immediately stop contacting me and I want them to be investigated for fraudulent collections and harrassment. I have sent them a PDF and screenshots via email of my account information with XXXX where I received the loan from XXXX XXXX as well as, my payment information to XXXX, the collection company for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have spoken to 3 agents this morning. XXXX, XXXX, XXXX all of which are outsourced from the USA. They had difficulty getting information and provide assistance to me. I was transferred 3 times. Each of them put me through multiple questions to identify my of which I have, only to find out they could not help me sign in nor get my results. 
The last agent asked me to send my identification via mail to a Georgia address. I was not comfortable with sending identification my social security card nor license via mail. I asked fir the phone number to this Georgia address. They refused to provide. Equifax is making it difficult to retrieve my own documents and identification theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: SIMM Associates, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX has called numerous times and has been extremely hostile when we have been on the phone. I do n't know what debt they are trying to collect, and since I do n't have any outstanding debts I am concerned this may be a scam, so I refuse to give them any personal information over the phone. On XX/XX/XXXX I had a phone conversation with XXXX XXXX ( representative of the company ) where she became extremely aggressive and threatened to contact all my family members after I told her I did n't want to receive any more phone calls from her or her company. On XX/XX/XXXX I sent them a letter requesting validation of the debt. They received that letter on XX/XX/XXXX according to the USPS certified mail tracking. As of this date,XX/XX/XXXX they still have not sent me any response to my request for validation, yet they continue to call me repeatedly. On XX/XX/XXXX XXXX XXXX called again, so I informed her that they could not be contacting me because they had not validated the debt. She became extremely hostile and began yelling, made some claims that they had validated the debt and then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In an attempt to pay down the principal balance on our mortgage, we have been paying extra money on our mortgage payments. Wells Fargo, however, is not applying the payments to our mortgage or even to the account at all. They are holding the money as " unapplied funds ''. They claim they can do this as we are allegedly a month behind ( we are n't ) and the deed of trust says they can do this. We have been unable to find where this alleged language is in our deed of trust. We have told them to apply the funds to the principal balance or to refund the money to us. They have continued to hold the money as " unapplied funds '' while charging us late fees. We have read the Deed of Trust which they refer to in their X/XX/17 and can not identify any language saying they can hold this money. Wells Fargo continues to send us monthly statements showing they are holding this money that we have sent for application to our mortgage payment. There is no reason for this money to not be applied to the account, especially if, as they allege, we are behind in payments.

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 2021-11-05
Company: EQUIFAX, INC.
State: CO
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 a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 opened a dispute on XXXX  XXXX last week. I was disputing medical bills that were still on my account that were paid off. While closing out those account, they inadvertently reported my mortgage account was closed, which left me a credit history of 1 year, 3 months as opposed to 12 years. That knocked my credit score down significantly. I would like the age of my credit history corrected.

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 2022-01-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Late closed XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$24000.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$2000.00}

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 non-monetary relief