BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
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:
It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX  XXXX Balance : {$0.00}, 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, 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 non-monetary relief
Consumer complaint received 2018-12-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The complaint is against JPMorgan Chase Bank I opened a tenant landlord escrow account on XX/XX/XXXX On XX/XX/XXXX Chase sent the funds to the unclaimed property state remittance and never notified me. Chase had been sending letters to the tenants to claim the deposit money, but she never did. She could have just claimed the money and took the security while she was still living there, which would have left me without a security deposit. How is this legal? How is the bank operating under these terms and landlords continue to put their money there? When I inquired I was told the letters were sent to the tenant because of inactivity. I, the escrow agent ( landlord ), never received notification and neither did I see anything on the my statements. The money now needs to be returned to the tenant because she has left the apartment. Chase put me in liability because I have the right to deduct the deposit for damages to my property or nonpayment of rent. After all these years with Chase I am terribly upset and concern about the financial damages and liabilities they have caused myself and the tenant. First, from accounts at other banks that I have spoke to they have not mentioned that money would be sent to unclaimed properties in that short of a time frame and the bank would notify me both online and through the mail. Chase did not. Under Illinois law ULC Uniform Act ( RUUPA ) under Treasurer XXXX there are changes in XX/XX/XXXX which my account was opened in XX/XX/XXXX. I did not received notification of the changes and the law required email contact. I have used online banking and have had an email on my profile. In addition, I visit different chase branches and no mentioned of that law or my accounts. I hope others will learn from my experience and will tell other landlords and realtors of what Chase is doing. When Chase sent the money they only left of XXXX of interest in the account. It was never officially closed until on XX/XX/XXXX and Chase allowed me to open it. Do you think that if landlords found out about this, they would keep their business with Chase?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
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:
It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX Balance : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$320.00} ; XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX  Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.

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 2017-04-13
Company: Windham Professionals, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
A debt collection agency has made repeated calls to my workplace after being specifically asked to stop calling. The company is called Wyndam Professionals. They even went so far as to try and get my social security number from my employer. This kind of behavior is completely unaccptable, especially after being asked multiple times to stop calling my place of business.

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 2021-09-23
Company: JPMORGAN CHASE & CO.
State: CO
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 closed my Chase Sapphire Preferred card out on XX/XX/XXXX. When closing the card I was not informed that their policy states that points on the account must be used within 30 days. I went to book travel with my wife last week and discovered that my points balance was at XXXX. I had a total of XXXX points accumulated. This is completely unacceptable and in my opinion, is theft. 

I called to resolve this matter on XX/XX/XXXX and they told me that they were escalating the issue their marketing department. Followed back up today, XX/XX/XXXX. and they informed me that my points were gone forever and they had no responsibility to tell me that they expired in 30 days. I even offered to have them transfer my points to my wife 's account that is still open. Again, they deflected and said that wasn't an option. How easy would a points transfer be? I have been a customer of Chase for 10 years and this is how they treat their loyal customers. Please assist me with getting my points back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have sent many pages of documents over the past few months and before that i signed agreement Wells Fargo sent me to sign off for him to represent me, after i did that Wells Fargo refused to work with me. 
He kept on telling me every was moving along fine. I never got any proof of that. 
33 pages were sent that i sent to him by fax. Several other pages of bank statements, IRS utility bills to show what i make and what i pay out. 
I find it hard to believe he did not send them but if he sent them Wells Fargo should have been working on them with XXXX and or with me? 

I ask Wells Fargo to give me to after the XXXX of the year and i will send them whatever they are missing. I lvm with several support specialist as i could not reach them. 
I will send {$1000.00} immediately and in another 2-3 send them  {$900.00} more. 
If refinancing is an option maybe that would work???

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX : {$0.00} ; XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-09-05
Company: Experian Information Solutions Inc.
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:
EXPERIAN AND XXXX  ARE DEPICTING XXXX XXXX, ACCT # XXXX .... 
WRONGFULLY ON MY BUREAU REPORTS. 
THE ACCOUNT DEPICTED IS INACCURATE AND INCOMPLETE.THE REPORTS TO NOT SHOW THE MONTHLY PAYMENT WHICH I PAID BRIEFLY ON THIS FRAUDULENT LOAN. 
THE LOAN APR WAS NOT EXPLAINED TO ME WITHIN THE 72 HOUR RECISSION PERIOD SO THAT I COULD UNDERSTAND THAT THE UNMENTIONABLE UNCONSCIONABLE OVER 100 PER CENT APR LOAN AND DECLINE IT.ATTACHED IS THE COURT ORDER REQUIRING THIS AS A PERMANENT INJUNCTION.I HAVE ATTACHED THE CFPB COMPLAINT AGAINST THE CREDITOR WHO UNSIGNED THE RESPONSE AND REFUSES TO MENTION THE APR RATE OR THE CA SUPREME COURT CASE THAT DETERMINED THE 100 PER CENT PLUS APR LOANS VIOLATE THE CA BUSINESS AND PROFESSIONS CODE. 
I HAVE ATTACHED DE LA TORRE VRS CASHCALL, THE CASE THAT THE SUPREME COURT CONCLUDED IN 2018. 
ADDITIONALLY IF THIS HAD BEEN A LEGIT LOAN XXXX SLEPT ON THEIR RIGHTS TO SUE TO COLLECT.THE STATUTE OF LIMITATIONS FOR THIS IS 4 YEARS ... HAS BEEN 6 YEARS. 
XXXX IS DEFUNCT YET STILL FIGHTING IN COURT TO KEEP THE MONEY THEY DEFRAUDED THE PUBLIC. 
THEY ARE DOING A FANTASTIC JOB WITH THE WORLDS BEST LAWYERS. 
IN BOTH CREDIT FILES THE MONTHLY PAYMENT IS NOT REPORTED INTENTIONALLY AND IS A VIOLATION OF THE FCRA.THIS IS DONE INTENTIONALLY SO THAT THERE IS NO RECORD OF THE INTEREST RATE ON FILE ... THE MATHEMATICAL COMPUTATION CAN NOT BE DONE AND THE EVIDENCE IS HIDDEN ... BUT THIS ALONE IS SUFFICIENT FOR XXXX AND EXPERIAN TO DELETE THE ACCOUNT IN ENFORCEMENT OF THE FCRA THAT THEIR DEPICTIONS MUST BE ACCURATE AND COMPLETE HIDING NO IMPORTANT SUBSTANTIVE INFORMATION SUCH AS THE MONTHLY PAYMENT, PAYMENT TERM AND DATE OF FIRST DELINQUENCY. 
I HAVE ATTACHED THE VIOLATED INJUNCTION, THE SUPREME COURT CASE, THE CFPB RECENT UNSIGNED RESPONSE OF XXXX HAVE ALSO ATTACHED MY MEDICAL RECORDS OF MY 4 XXXX. 
THE XXXX CAUSED XXXX AND XXXX XXXX PRIOR TO THE INCEPTION OF THI S LOAN AND MADE IT MUCH EASIER FOR THIS PREDATORY LENDER TO DUPE ME INTO SIGNING WHAT THEY WANTED.

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 2017-04-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
XX/XX/2017 I called Wells Fargo Card Services to ask for a credit card increase. During this time I also applied with other banks and credit union. Those other company gave me credit and a personal credit. Wells Fargo declined my application. I have been customer of Wells Fargo for over 2 years only had one late payment have been paying my credit card on time. I ask for a XXXX increase because my credit score is way higher than two years ago. That how I know I can get the credit increase.

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 2019-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed 2 separate claims on XX/XX/XXXX. 
BOA made me file 2 separate claims for the same charges. I appealed both and they were all rejected with no reason given. BOA did not attempt to reach out to the company to verify the charges prior to rejecting them. 

Claim 1 was Claim ID XXXX and Claim 2 was Claim ID XXXX. 
XXXX I was charged {$42.00} every month from early XX/XX/XXXX to XX/XX/XXXX. The charge is from something called " XXXX XXXX MA ''. The total amount was over {$600.00} On XX/XX/XXXX I contacted the company in attempt to get info on what this charge was for. I spoke with XXXX with badge ID XXXX. XXXX was unable to find my name, CC #, email, phone # or anything that associated me with XXXX and he told me that there was nothing he could do and that I needed to contact my CC company ( BOA ) to dispute the charges. I did that and everything was rejected by BOA. BOA never attempted to contact XXXX for details and the only reason they provided as to why my claims were rejected was because this was a " subscription or reoccurring bill that i have paid in the past. '' The only reason I paid it in the past is because I never caught the charge on my credit card so it was always paid. This does not change the fact that this is a fraudulent charge.

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 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
I have been patiently waiting for a response from the bureaus and have not been notified. 
I am asking them to simply to Validate the accounts that are reporting on my credit report. They have sent a copy of my credit report but it does not address the items that I am asking to be investigated/ updated and removed. Please investigate the accounts I have included on my letters that needs to be validated.

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 2017-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was job scammed. I was contacted by somebody name XXXX XXXX and offered me XXXX hour at home job as data entry. He gave me a clear detail of the job. Then was instructed to deposit XXXX checks two XXXX and XXXX to buy the equipment and part of my training. Only XXXX of them was cleared which was XXXX. After that was cleared by my bank ( Bank Of America ) on XX/XX/2017 i was told to deposit it to wells fargo bank account but it didnt exist in MA then money gram but wallet was stolen on XXXX XXXX so my XXXX ID is gone. Then he told me to buy XXXX worth of itunes card but XXXX was the max. I scratched off all of them and gave him the codes that i was instructed too. I was so commited with this job that i assume was legit at first since the bank cleared the checked so i had a feeling it was legit. After i followed that he instructed me to deposit the rest XXXX to Acct name : XXXX, Bank of America Account No : XXXX XXXX XXXX, XXXX XXXX address if needed : Bank of America , NA XXXX XXXX XXXX XXXX XXXX Routing # : XXXX, Account address if needed : XXXX XXXX XXXX XXXX XXXX, TX XXXX. Then after that i was instructed to deposit the XXXX check which was XXXX. The next day my account was overdrawn and a negative XXXX was on my checking. I called the bank and they said the check was return. I filed a fraud scam activity and notified them the incident. I was recommended to open a new account and froze the frauded XXXX so i did. The file the report and they said i will be responsible for the loss of XXXX. Also they said there was a chance the XXXX could be recovered since its bank of america to bank of america transaction. Now XX/XX/2017. I called them again and short story they said i will be responsible for it. Can you please help me? i dont have a good job just descent its by commision and a part time. They are charging me a loss that they made. They shouldve been able to detect a fraud check and shouldnt have cleared it.

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 2022-07-20
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
I leased a XXXX XXXX XXXX. In XXXX, I was attacked at work and caught XXXX caught in addition to the attack. I became XXXX and required XXXX XXXX. I am still recuperating. 
XXXX offered me XXXX forbearance for 3 months in XXXX. I accepted. This extended the lease by three months. I have paid the payments faithfully. 
When the lease expired, I explained to XXXX that I could not sign a one year additional lease because I was unsure of the disposition of my XXXX case. I agreed on four months. But when they sent the paperwork, it was a one year lease. 
XXXX says I signed a other lease but I did not. It was not as we agreed. 
My payments are current but this morning they towed my truck to an impound yard 40 miles away. They gave me no notice. 
I had to keep large items in the truck such as cases of my dog 's food. When I needed things, I would get help to bring it into the house. 
My son was XXXX  in XXXX. There were sentimental items I kept in the truck because I used them at his memorials. 
I was in the XXXX  XXXX XXXX from XXXX with a XXXX of XXXX. 
My daughter is XXXX with XXXX right now. She can't help me. 
I was struggling to make the {$420.00} payment with insurance on top of that but the payments are current. I rarely drove the truck due to my XXXX. I was hoping someday to be well enough to visit friends and family again. 
I feel XXXX was very unfair to consider my XXXX XXXX as 3 missed payments a year after the plan terminated. I am unable to get my personal property at this time as they took it so far away. I believe XXXX violated their commitment to the Forbarence plan and disrespected me as a XXXX person. 
I've sacrificed to keep my credit in decent shape during this disaster and I'm afraid XXXX will put a repossession on my record. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
Bank of America sent me a promotional offer of 0 % APR until XX/XX/2018. I called in to enroll in the promotional offer but was told by Bank of America customer service representatives that the offer only applies to balance transfers. The offer itself does not even mention balance transfers. 

The offer states : " OFFER 1 - LOWER RATE - 0 % ( O % Daily Periodic Rate ( DPR ) ) Promotional APR until XX/XX/2018. Use offer XXXX or use red check number 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 2022-07-20
Company: Experian Information Solutions Inc.
State: CA
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:
n accordance with the Fair Credit Reporting act XXXX  Account, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX U.S. Dept. Of Education. 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-09-02
Company: Bread Financial Holdings, Inc.
State: NC
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:
Seeing that the world was and still in a pandemic with Covid and me dealing with deaths due to XXXX  and being their for immediate family as well as grieving I honestly overlooked the bill. It is funny how they have assistance for those who are experiencing hardship due to Covid, but no compassion for those who inadvertently forget to pay a bill and never been late. I had this account for over 9 years and never missed a payment and when they finally got in contact with me I then pay the balance off in full apologizing for missing the payment. 

Not only did they report it after I asked not too due to the circumstances they also blocked my account for further use. I mean really and I missed 1 payment and turned around and paid the entire balance off. Bit to mention other store cards I have with Comenity have also been restricted and I am about to cancel and close all of the cards that had for years and once again never been late. 

To top it all of I put in a dispute early this month when I seen the reporting and it was removed, but once I requested to close the account they retaliated and put the negative remark back on. How does a company get way with that. They can remove it ( I have screen shots ) but when I choose to close the account they can go back in and place it back on. 

I need someone to step I. And look at the larger picture of a consumer who has several cards with this bank and never Been late for a number of years, we are not speaking of 1-3 years. 

Please step in to help rectify this issue. 

Thank you

Company response to consumer: Closed with explanation