BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-06
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
on ( XX/XX/2021 around XXXX XXXX XXXX time ) I XXXX a search for XXXX customer service number to start a claim for some faulty product I purchased. When I got the result a number popped up.I dailies it. Ot knowing it was a hacker or scammer.I told this person what happened with XXXX.An unawareingly accepted his new policy of using my bank info to transfer a refund.He took me though alot of links and assured me that this is how they pay you back on XXXX.Since I had never been hacked and XXXX is such a trusted company.I followed all his instructions and proceeded to transfer {$500.00} to this crook because the way he explained it.I needed to transfer to this account to get my full refund.I never fall prey to this stuff but since he was skilled in rebuttles and it was XXXX I had used over 10 years.I did it.I kept asking him why do I need to transfer that amount.He assured me it wasn't really $ XXXX.Its to make sure I have money to send my refund.Then he told me to download this app on my phone.I since then learned it's a stalker spy app that let 's him see my entire phone.Now he's telling me my XXXX info so once again I was assured it was XXXX.He was smoothe. Eventually after sending the {$500.00} I got weary and demanded to speak with a supervisor and he said '' XXXX XXXX  '' twice..that 's when I realized I had to hurry off the phone an call Wells Fargo.I filed a aim that second and froze my accounts. The reason I am contacting you is as you know.Wells Fargo.The crooks that they are.Have a policy.They deny all claims of authorized transactions. No matter how elaborate or new the scam was.The claims rep told me that that identical scam had happened twice already that day to other customers.I waited 10 days and knowing they would deny me.I searched for another course of action.And found you all.Mamy people have gotten their hard earned money back because of the CFPB.I find it utterly offensive that Wells Fargo is the only bank that has this policy. Especially for special circumstances. In my case.a hacker hacked into XXXX  server or XXXX.i never met this person..they may be in XXXX..and I didn't recieve any merchandise. So it's clear as day this was a scam.I don't send random people.money ever.Now if this happened to me twice.I would understand but I think they should honor a valued customer. Please help.

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 2021-03-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
made payments at XXXX a month then the credit card company wanted XXXX a month, then returns not being applied to my credit card balance but shows as addition charges

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 2019-05-08
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: Reporting company used your report improperly

Complaint:
On or around XX/XX/2019 an single application was submitted for credit. An inquiry was authorized and my XXXX pulled. I was informed that the application was under review. The next day I contacted Chase and was told that the application was denied. I was told by the representative that I could be transferred to the reconsideration department. I informed the representative that would be fine. Upon speaking with the representative at no time was I ever informed by the representative and I did not authorize the pull of my XXXX report which resulted in a un authorized inquiry on my XXXX report. When I was notified by XXXX that Chase had pulled my report I contact the phone number that was on my credit report. I spoke with a representative and explained that I did not authorize a second pull on my credit report for reconsideration of the denied application and I was never informed that this would be taking place. I was advised that they would investigate and provided me a call back. Which never happened. I have received no correspondence from this creditor at all related to the denied application or the investigation into the the unauthorized pull of my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: World Acceptance Corporation
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: Account information incorrect

Complaint:
documents attached shows this account is reporting inconsistently across the credit reporting agencies the account type is wrong account status is inconsistent the date open has serval different dates it appears twice on my credit report as is its two different accounts last date active is very different on each agency.. and account violatates Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years.

Section 392.007 of the Texas Finance Code This section of the law, introduced in 2019, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: JPMORGAN CHASE & CO.
State: FL
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:
On Friday XXXX XXXX, 2017 at XXXX XXXX our car was repossessed. We live in a gated community with security guards. While the security guard was away, the tow truck driver broke into the community by forcing the EXIT gate up and the proceeded to drive over a median flower box with lighting both of which he damaged. Not only did they break in but they came in a Exit endangering anyone that might be leaving the community. The bank that holds the lien, Chase, has been unwilling to share any helpful information. The payment were neglected by my wife, and the car was under my name. I offered to reconcile debt, pay a few months in advance and link automatic payments to my bank account moving forward to make sure this never happened again. Money was not the issue, neglect was. They have refused this and will only allow me to get the car back by paying off the lien PLUS their fees - which are undoubtably towing, storage, etc that were all done illegally. They have also attached this Repo to my credit report, which is understandable for a repo, but their unwillingness to work with me and the way in which the vehicle was taken is just irresponsible business. I now have a matter of days, all with a holiday in the mix which the banks will be closed for, to figure out how to get someone else to purchase this entire lien with my once great credit that is now destroyed. I have taken accountability, humbly apologized and have offered many suggestions including leveraging my personal businesses to reconcile the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
HI Victoria Secret / Cb ; Hello and sorry, I'm little confused that you even allowed to mark me late on XXXX 2022 for 30 days during covid19. I was actually shocked today when i reviewed my credit report from all major credit bureaus and noticed those late payments as mentioned. I am not sure how this happened, but I believe that i made the payment as required on the dates stated and noticed that you took it from my bank account when i received my statements. My only other thoughts are that my monthly statements did not get to me on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I need to fix the problem about my money is frozen. I cant use my account for no reason. I need to know what happen and get my account free to go away with my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-06
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've been monitoring my credit for several months and noticed a Rent Recovery Solutions, LLC just popped up and says its been in my credit reports since XX/XX/2018, but I've been monitoring my credit since XX/XX/2018 and never saw this until recently. They claim I owe {$5300.00} that I do not. Based on the extremely poor reviews online, I have opted to file this complaint here to ensure that I get a response, period, let alone a timely one. I've even seen someone online say that they were hung up on, so it is not the best company to be dealing with. I am, however, also disputing this false account via the credit bureaus. I am outraged that this has appeared on my credit reports. I demand that original documentation in its original form, bearing my actual, wet signature is provided to me. This is what is required under the FCRA, section 609. The law states under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that original consumer documentation is required to consumers, particularly upon their request. Furthermore, you must also provide the method of verification as required under Section 611 ( a ) ( 7 ). Moreover, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Therefore, if original documentation bearing my actual signature is given to me ( and I know for a FACT that I never signed a consumer agreement with Rent Recovery Solutions, LLC, then this false account MUST BE DELETED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian is reporting incorrectly a collection for XXXX XXXX XXXX partial account number XXXX - in the amount of {$2600.00}. ( Please see page 51 of the attached credit report. ) If I had lived at XXXX XXXX XXXX   it was well over 12 years ago and reporting this item is a violation of the Fair Credit Reporting Act. I never, in the past or the present, received any documentation that this debt was owed by me or an itemization of what this debt consists of. This incorrect reporting by Experian recently appeared on my credit report. XXXX and XXXX   are reporting correctly. This incorrect reporting of a collection is keeping me from obtaining a new residence and is also harming my credit score. I have contacted Experian to have this line item removed from my credit report but I have not been successful.

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 2018-09-19
Company: Credit Karma, LLC
State: NV
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 tried to get my credit report from all of the credit reporting agencies. None will accept the information I am giving. I did contact XXXX, who said they had me as deceased, this was supposed to hve been corrected 2 months ago. Yet I still can not log in and get my free credit report on line, it said to call for my free credit report, I did and after answering the questions they sent me an e-mail asking for a credit card? why if its free?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
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 recently reviewed my XXXX  consumer credit report and discover a company calling itself Portfolio Recovery reporting a negative account on my report. I have no knowledge of doing business or signing a contract with Portfolio Recovery. This willful and negligence action is causing harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV
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:
So I checked my XXXX credit score it dropped XXXX points now I'm trying to figure out what went wrong it says missed or late payment for auto loan I immediately call toyota financial services to inquire they tell I'm actually paid ahead on loan meaning I have paid more then agreed on contract so how can XXXX drop my score toyota financial states they didn't report anything to credit bureaus now I'm thinking I have proof I made a payment it's in my email for XX/XX/2021 this needs to be fixed immediately toyota denies any wrong doing so it's XXXX fault and needs to be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : 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 I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, Somebody made five online transactions for a total of {$50.00} on my account. The next day, Chase Bank send me email asking to contact them due to some unusual transactions. 
In the meeting I try to close the account, but the agent suggests to open a new account, to transfer my balance and change my user ID and password for more security. 
XX/XX/XXXX, probably this person try to transfer {$1200.00}, Chase has cancelled it, because it seemed fraudulent. 
XX/XX/XXXX, an online transfer of {$12.00} XXXX was made from the new account to the same person who already try to made a transfer of {$1200.00} Next day I went to the Bank to have my money back and the Agent closes the new account again and suggests, one more time to open a new account to reverse the amount. After that I close the account definitely and went to get services from an other financial institution. 
On XX/XX/XXXX Chase asks me to pay a balance due of {$12.00} XXXX. I sent a letter with some emails from Chase as a proof that they can find out where the money was deposited if they made a serious and honest investigation. 
On XX/XX/XXXX Chase send me the same letter, I send the same answer I am not the person who do this transaction. I never did online mobile transaction on my account. That why I attached 3 pages of my bank statement.

HOWEVER MY ATTACHMENT IS MORE THAN 10 MB 10937 KB IL TRY TO SEND IT BY MAIL, IF POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: Santander Consumer USA Holdings Inc.
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In XX/XX/2015 I purchased a XXXX XXXX from XXXX XXXX  from XXXX XXXX  with a service contract costing me {$2500.00}. The car was in an accident and was determined by the insurance company to be a total loss. I ended up going back to XXXX to refinance another vehicle. XXXX never reimbursed my service contract. The car was finance for over 6 years and I owned the car for about a year and never really used the service contract. In which XXXX   never offered a rental. I then got another XXXX XXXX from XXXX. The financing now had an interest rate of almost 20 %, but I needed the vehicle. I also got another service plan for {$1800.00}. Unfortunately this car got in an accident and claimed a total loss and again XXXX XXXX kept my service contract money. This car was owned a little more than a year. I find {$4300.00} is a lot of my money to keep. This needed to be reported. I can supply any documentation needed to stop this type of stealing from customers.

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: McCarthy, Burgess & Wolff, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Checked my credit and saw this collection agency. I have not received anything about a debt. Please provide certified confirmation of delivery. And please provide license to do business in Illinois XXXX XXXX XXXX. it 's against the law to report unfairly on one 's credit report. Please delete this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I received and e-mail stating that a paralegal was now representing my closing firm on a new real estate purchase. This person who identified themselves as XXXX XXXX did then request our realtor and sellers information. In addition to these requests they also stated that we owed them money for processing and they did contact my realtor XXXX XXXX to collect our personal information including income and social security numbers. This went so far that they contacted the company that we are purchasing property from stating that they are the closing company and needed cash and personal and private information from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is regarding a Chase mortgage originated in XX/XX/2016 for a residential rental investment property. 

I have reviewed every disclosure and document from my loan origination and find absolutely no mention of the PMI LTV requirement of 65 % to eliminate PMI. Everything I see suggests 80 % LTV or at least 78 % LTV. I have reached 80 % LTV and expect to be able to remove PMI. After reading the comments here, it seems this so-called requirement is often not disclosed, not understood by investment borrowers, not mentioned as different for investment properties, and arbitrarily varies across a very wide range of LTV % requirements. 

If this LTV % requirement for cancelling PMI does vary, how and why does it vary, who decides the requirement, when is it decided, where can I see this decision was made, is it fixed or flexible, and where is it disclosed to me so that I understand what financial burden I have agreed to? Chase has not been able to provide any documentation supporting the 65 % LTV requirement and has referred me to " the investor '' XXXX XXXX, whom also seemingly can not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: EQUIFAX, INC.
State: TX
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: Other problem getting your report or credit score

Complaint:
I am not able to get a corrected credit score due to a credit freeze that has already removed with them and can not get correct and update credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received notice from XXXX XXXX of a fraudulent credit application based upon data provided by Experian. I tired to freeze my credit report and they will only freeze my account based upon a cumbersome certified mail process. The will however lock the account for a substantial monthly fee.

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 2018-03-17
Company: Mercedes Benz Financial Services
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:
Last year after the whole XXXX data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.

Company response to consumer: Closed with explanation