BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-08
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX, requested unauthorized credit report and following hard inquiry. I have never given them rights to do so. Being XXXX XXXX am I am ashamed of that sort of businesses or or scams! I need them to remove all information and inquiries from all credit bureaus. Fix it as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a cash deposit to my account in the bank with a teller on Wednesday the XXXX of XXXX. I got a receipt. On the next Saturday, the XXXX of XXXX I checked my account and discovered that my deposit on the XXXX was not credited to my account. I called the US bank customer service number on the back of my ATM card. The customer service person, XXXX, filled out a lost deposit incident report and advised that I call the branch when they opened later that day. I did call the branch and talked to the branch assistant manger XXXX. XXXX checked around and even talked to the teller who handled my deposit. He remembered me and the amount. I said ... how about crediting my account. XXXX said that she couldn't do that ... that the bank had to look into where the problem was and that it may take awhile. I told her that I shouldn't have to wait for what is a bank problem. XXXX was very hard to deal with ... especially when she kept saying that she didn't appreciate my tone and that I was being disrespectful. 
Later, I talked with a real manager, XXXX XXXX. 
I have copies of my correspondence with Mr. XXXX as well as the copy of my original deposit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My ex-husband closed a joint checking account on XX/XX/XXXX when he shouldnt have. The account closed is where my sons social security check is deposited. I contact Chase on XX/XX/XXXX as soon as I discovered it and was told nothing could be done until the day the SS auto deposit was due. I called on Monday XX/XX/XXXX and was told yes I had to wait until the morning of the XXXX. I promptly called at XXXX, spent hours on the phone. 1st person disconnected me. Second person said she was new, spent 52 minutes on the line with her, she kept putting me on hold, then I was disconnected again. Called back, 3rd person opened the claim. I called in Wednesday XX/XX/XXXX, spoke with XXXX, she said, claim was pending callback tomorrow. I called back first thing Thursday XX/XX/XXXX, was told claim in process, funds will be moved before end of day, someone will call me from the claims department. No call came. I never saw evidence of funds being moved. I checked Friday morning, XX/XX/XXXX, funds were not in the open account. I called again shortly after XXXX and spoke with XXXX. She said claim was filed incorrectly and the funds were sent back to Social Security. I was livid. I had spent hours on this, each Chase phone rep, gave me WRONG information. XXXX stated wish you would have called yesterday and talked to me Hello, I called, I wish she would have answered, maybe this could have been resolved. Now I have to deal with Social Security. We had been trying to get my ex removed as personal rep, my son has a XXXX XXXX  due to XXXX  XXXX. I do as well. But because they have been closed, they just said keep moving the money to the new account ourselves, which worked until my ex got vindictive. Not only did he mess this up but Chase XXXX  us over too. Now my son has to wait for SS to resolve the matter to get his money. He gets paid once per month and is on the XXXX XXXX. Nice going Chase. Good thing he lives with me and I can take care of him. But Shame on you Chase. Why do you allow offshore individuals to handle such tricky situations that they know nothing about, I voiced my concern about making sure the funds were not rejected and each time, I was told they dont understand. I could not have been clearer. They dont understand how Social Security works. This is the fault of Chase. They should have provisionally paid this claim now until SS can get the money there which will be approx 7-10/days and we have a holiday coming up. And was son was due to travel to see family in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
TransUnion believe this request were not made by me. But the information I submitted, is exactly like the information I submitted in a dispute early last month. TransUnion is not appropriately responding. Their suggestion is that I dispute the information directly with them, which is a way out of being held responsible for their inaccuracies.

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 2019-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX, Bank of america sent me a letter told me my credit card was closed due to irregular authorized user activities, but in fact, my authorized users rarely use this card.

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 2018-07-12
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: Account status incorrect

Complaint:
I have contacted all three credit bureaus and the Social Security Office in regards to an account being report as a collection when in fact its not. I have two letters from the Social Security Office where they state that the account is not in collection and that its up to date. The first letter I got was in XX/XX/2018 and the second letter was in XX/XX/2018. Even after contacting all three credit bureaus and informing them of the error, I still have this negative information on my record. I have a credit sensitive employment and due to this error my employment could be jeopardized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: WELLS FARGO & COMPANY
State: FL
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 have a loan with WELLS FARGO HOME MOR, XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, WELLS FARGO HOME MOR, XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Basically I put a fraud statement on my reports but XXXX obviously extended credit to someone and opened an account for them. I have repeatedly disputed it with the credit reporting agencies but they keep removing the account then turn around trying to say the account was verified. With no proof of anything actually given to me. They say they investigated but don't tell me how it was verified or acknowledge my fraud alert. Keeping my credit score low.

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 2021-05-26
Company: EQUIFAX, INC.
State: TX
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:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: JPMORGAN CHASE & CO.
State: OH
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 terminated my car lease on XX/XX/2020 The term of the lease was 36 months for $ XXXX/month. XXXX is reporting to the credit bureaus that : ( i ) the payment was {$320.00} a month ; ( ii ) that the account is not paid in full ; and ( iii ) that I missed payments in XXXX and XX/XX/2020. I have documentation evidencing that everything that XXXX is reporting is false and inaccurate. 

I disputed this with XXXX  and lost. I have a pending dispute with XXXX. XXXX has not corrected the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I refinanced with this same company about one year ago. Then this past XXXX I wanted to do another refinance which they solicited to me to consolidate my current debt. They have secretly investigated my personal life and work, and said what they uncovered was conflicting information, which after explaining it to them they learned wasn't true. It's going on the 5th month and every couple of weeks they are making requests for other documents and statements they say they need, some of which were provided at the beginning of the process. The loan cost have continued to go up, and the terms changed. I'm exasperated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2017 I went in person to an XXXX XXXX XXXX store to close my month to month account and I paid off the remaining balance, I was told that my account was now closed. My service at home was off and I joined a new internet, phone and cable company since. 

Now my credit is being hurt by 3 collections with different account numbers stating that original creditor is XXXX XXXX XXXX. I never received any notifications from this collection company, and when I called, now that I saw them in my credit report, I was was told that they had an incorrect address on file. My credit is being damaged by these charges for a service I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
Leased a XXXX Infiniti from XXXX XXXX XXXX XXXX XXXX, XXXX for 39 months ending XX/XX/XXXX. Never made a late payment ever. Lease ended in XX/XX/XXXX so I made several calls to Dealer and Nissan Finance concerning lease buyout. Dealer told me to contact bank, Nissan told me to contact Dealer. After several attempts in XXXX and XXXX I finally spoke with Nissan Finance on the phone. They asked if I want ed to extend lease thru XX/XX/XXXX and possibly get into a new car. I said I would like to keep car I have, this was around XXXX, Spokes lady told me to make an additional payment of {$690.00} and to go to dealership to have car appraised and inspected before I could buy car.????? Still not getting the right info, I drove car to XXXX XXXX XXXX in XX/XX/XXXX, and still was told I needed to go through bank. I then asked to speak to the finance Manager who was the only person with the right info. My wife and I paid the residual of the car in XXXX for $ XXXX. XX/XX/XXXX I received notice that my credit score dropped from XXXX to XXXX. I checked my credit report and noticed Nissan Finance had sent in negative information to the 3 Bureaus. Contacted Nissan and was told to send in a letter to Nissans Credit Management Dept. Received a letter on XXXX XX/XX/XXXX were Nissan refuses to remove false info from my report. At no time did I agree to or signed into another agreement to extend my lease or to refinance the XXXX XXXX, XXXX errored in reporting false information and refuses to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Paypal Holdings, Inc
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal - negative {$7300.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$7300.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$7300.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal - negative {$3600.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$3600.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$3600.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-14
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/2020 & XX/XX/2020 I wrote to you requesting an investigation into items that I are Inacurate and erroneous.To date, I have not received a reply from you or any acknowledgment that an investigation has begun. I feel like I am being ignored. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days, should be reason enough for these items to be deleted from my credit report. It has been well over 45 days so they should be deleted promptly. My information has been impacted by the XXXX data breach and may have fell into the wrong hands. 
I demand the accounts be deleted immediately or I will file for litigation due to the stress you have caused me.

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 2021-05-26
Company: FBC MORTGAGE, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my mortgage twice on accident so when I called they told me they would be able to refund my money back. I talked to them XX/XX/XXXX and today is XX/XX/XXXX. I called the second time and they said they mailed my refund. When I called the third time they told me they dont do refunds and couldnt see the check cut out for me. But upon investigation they saw that the payment I made was already taken out from my account. I have not received my money back. And my mortgage is about to be due again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Company : Amerisave Mortgage Corp. 
Initial contact date : XX/XX/XXXX Cancelled Refi Process : XX/XX/XXXX Application Fee : {$500.00} which they took immediately Amerisave was supposed to refi my mortgage, but eventually would not take my calls or answer my emails. They initially had no problem taking the {$500.00} app fee ( non-refundable ) and getting my paperwork. After that, very limited communication and then no communication with the sales rep. He eventually emailed me to contact the Processor, who said she was not at my file, at a meeting, or not able to get me any information, week after week. This whole process went on for nine weeks. I finally cancelled on XX/XX/XXXX, and asked my sales rep for a refund of the app fee. He said he would ask his manager, and never got back with me. This company is back to its old bait and switch tactics, as it was in XXXX, Ive learned. They are a scam and just want your {$500.00}, then have nothing to do with 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 explanation
Consumer complaint received 2021-02-11
Company: Square Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XXXX XXXX BTC** XXXX XXXX BTC** XXXX before Bitcoin made it too my cash app wallet cash app closed my account and unlinked every bit of information on my account that would allow me to login too the account** XXXX Recieved email stating that my card and bank account were unlinked as well as my email. I responded immediately too let them know I did not unlink my information and account must have been compromised. XXXX Theyve been promising that they have my account and Bitcoin would be merged onto the account they made me make and never has happened. XXXX the manager at first gave me information too an account that wasnt mine which is really scary and just that alone was enough to be sure that these guys are are joke. Theifs I can not believe how Cash app gets away with how they do business its nuts ... I reported them too the XXXX and they also keep responding too my complaints and try getting me to agree that the problem has been solved but it hasnt and its very clear it hasnt so i just keep rejecting there response. Im hoping that this message will be the eye opener for them because this is now over XXXX $ in Bitcoin they are wrongly holding from me its disgusting.

Company response to consumer: Closed with explanation