BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent a ID Theft letter and police report several times to this debt collector and they refuse to remove this debt that was involved in identity theft and are attempting to collect a debt that was involved in identity theft. The account is under the name XXXX XXXX for XXXX XXXX. I have never used that name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Greetings, I am sending this email due to a practice of a business that is purely unethical and should be addressed by the Federal Trade Commision, in my opinion.My particular experience is as follows : On XXXX, I used my Care Credit/Synchrony Bank credit card to pay for my deceased pet 's final expenses. Since I am a XXXX Veteran, I get paid once a month at the beginning of the month, hence I tend to pay my bills first and foremost. I made a payment on my card on the XXXX day of XXXX, even though it was not due until the XXXX. On my XXXX statement I discovered that I had attained an " overdue payment '' notice and fee of {$28.00} for the XXXX payment, even thoughthe credit card company had withdrawn the full payment from my bank account the day I made it, which was approximately 4 times the minimum amount due. I called to straighten the issue out and was told that I would just have to pay the fee as I was told that I, quote, '' had just made the payment too early ''. I ended up paying the extra fee, even though the company gave me credit for the payment I had already made in XXXX, which makes absolutelyno sense, and appears to me to be a way to chisel money out of honest people trying to pay their bills. If I had been LATE with the payment, I could understand an " over-due payment fee '', but to be flagged and charged by the credit card company as if the payment was late when it was paid early is ridiculous, as well as a hit against my credit score, and an unethical business practice as well.. Whether this type of activity by a company is illegal or not, I do not know, but I do know that business practices of this type are hurting honest consumers on a daily basis and should be regulated. My suggestion would be to require any and all unsecured loan/credit card payments made anytime on or before the due date of the same month to be accepted without exception to the date paid. Facing charges for paying a bill early should not happen.If any further information is required of me, I will be happy to provide it.Thank you for your time.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2023, Experian consumer reporting agency received a reinvestigate notice of dispute request. To my dismay nothing happened. I have proof that Experian received my letter but did not reinvestigate any of the accounts mentioned in the notice of dispute that Experian received. As a result of this negligence, I have been unable to make significant consumer credit transactions, obtain loans, or credit cards for that matter. I have actual damages because of Experian 's negligence, and I have been in emotional distress. The only thing that was disputing prior to them receiving my letter was personal information done through their website. Pursuant to The Fair Credit Reporting Act 15 USC 1681e ( a ) ( b ) and 15 USC 1681d ( b ). Experian has an obligation and is required by law to investigate upon notice of the request. Experian is now liable per 15 USC 1681o civil liability for negligent noncompliance.

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 2022-03-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
we issued check # XXXX to our employee XXXX through our account at chase bank on XX/XX/2022. The check was deposited through a chase bank ATM machine on XX/XX/2022 through an account that does not belong to XXXX XXXX, Chase never should have negotiated the check. We filed a claim with chase bank check claim department on XX/XX/2022, they told us it would take thirty days to investigate the claim, on XX/XX/2022 we called chase, they said hey had not investigated, we asked them to credit our account for the {$1300.00}, they refused, it was there negligence that permitted this check to be cashed, they refuse to accept responsibility for their actions. They should not be allowed to hold our {$1300.00} hostage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-24
Company: Wilber and Associates, P.C.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
on XX/XX/ i received a collection letter from wilber and associates claiming i owed {$28000.00} not knowing what this was about i called the agency and they explained that they are attempting to collect money paid out by an insurance agency due to flood damage and stated that i stole copper plumbing and flooded a home that i recently moved out of. i at that point explained that i absolutely had nothing to do with any type of theft or damaging and at that point the female collector became very loud and aggressive i at that point told her to cease and desist my telephone number and hung up. onXX/XX/XXXX i received a phone call from wilber and associates yet again and it was the same collector. i stated we had already discussed this matter and it was false claims and to once again cease and desist my telephone number and hung up. on XX/XX/ i received yet another call from wilber and associates this time it was a male collector i advised him that i had already spoken to his office twice now and that the claim was false he at that point became extremely aggressive and threatening me that i am going to pay this and take responsibility. i advised him that i had previously on a recorded line asked for this agency to cease and desist and that i am telling him this as well he in reply said he will call me every single day.

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 2023-12-03
Company: LAKE MICHIGAN CREDIT UNION
State: MI
Product: Credit reporting 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:
Lake Mich Credit U, on XX/XX/2023 placed a inquiry on my account that I didnt not authorize, I am here doing a report due to them not removing once I called and told them the inquiry was authorized Credit agency that reported it was 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 2023-12-03
Company: NORTHWEST BANCSHARES INC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hi there they won't help out by having me open a account online because I ca n't drive to a XXXX XXXX XXXX  there so they won't open a account there and now I need some assistance there form them to get a account open online my XXXX money is on hold

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 2023-12-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting ACT ACCOUNT XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATES I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 : It alson 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 explanation
Consumer complaint received 2023-12-03
Company: Chime Financial Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX XXXX XXXX XXXX, I received a text from Chime asking if I had authorized a {$900.00} charge at XXXX XXXX XXXX. I immediately texted back " NO ''. They replied " Thanks for your response. Your debit card has been restricted and a representative will be in contact with me shortly. 

On this same day at XXXXXXXX XXXX XXXX, I received a call from Chime Financial XXXX, they asked me to verify my mailing address as they would be sending a new card out to me and since the one I had was compromised. He was a male representative from what I could tell. He also stated that my account had been duplicated so the funds were being moved to the new account. It didn't sound right. So I hung up and called the same number that had called me, and I spoke with another Chime representative who stated that the call must've been fake and someone " tricked '' me. When I went to look at my accounts, both the checking and savings had been drained to {$0.00}. Although the number had originally came from this same number that I had dialed, the representative told me that all he could do was file a dispute on my behalf. 

I checked my account the next morning, and both savings and checking were at a {$0.00} balance and I had an update stating that my dispute had been declined and that there was nothing further that they could do to assist me unless I provided additional documentation for them. I sent them a copy of the text message that I had received asking about the attempted purchase, the call log that shows that I received an incoming call from Chime initially, I also sent a copy of a filed police report. Once again, my claim was denied within 30 minutes. I called back and asked to speak to a supervisor who told me that once was a dispute was declined that there was nothing else that they could do for me. I am not out of {$1300.00} and Chime Financial is not willing to accept any accountability at all for the charges. The transaction memo also states that I paid someone named XXXX XXXX, whom I have never heard of ... and the reason for the transaction was listed as " Chime Reversal Payment ''. I also attached an email that states that they sent me attachments to show how they made their decision and nothing was attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-10
Company: Angel Oak Mortgage Solutions LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We started the refinance process in XXXX of 2020. We were also purchasing a home at the same time. We closed on our new home in THREE weeks, that was quadrupple the price and value of our rental property. This company was selected by our broker because they offered the best interest rates. We signed the contract and the intesrest rate was 3.625 %. After countless back and forth, requesting documents that we had submitted multiple times, we were set to close in XXXX. We received closing information on XX/XX/XXXX, to close on XX/XX/XXXX. The interest rate was 4.625 %. We never received a loan disclosure indicating that the interest rate changed. There was not formal paperwork disclosing the change in rate or the reason why. We have been dealing with the lack of professionalism for thre months. It does not take three months to complete a refinance on the home. There were no issues with credit, or any of the normal things that can delay the process, so the three month time frame was excessive and daunting. Mortgage lenders are required to notify you of changes in rates in writing, along with and explanation. The only way we found out was when the title company sent over the documents to review. I have every email and corresondance and they never sent a loan disclosure or settlement documents. Our mortgage broker contacted them immediately and the only thing they said, was that the appraisal came in low, so they had to increase the interest rate. My issue is that no one from this mortgage company contacted us in writing and failed to provide the proper documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Someone by the name of XXXX XXXX forged his name on my check ( whited out and wrote over it ) that I had mailed out to a modeling agency. This {$3000.00} check was somehow successfully deposited by XXXX XXXX. I went through years of claim XXXX with Chase bank- the customer service people giving me wrong information, wrong numbers, transferring me to other people, and finally being told today that my claim got DENIED and that there would be zero chance of reopening the claim. I even called XXXXXXXX XXXX and all they tell me is that I need to go through my bank. I tried calling and begging Chase bank three more times and all they said was that XXXX XXXX  denied the claim and they can't do anything about it. How does a guy just take an envelope, write his name on it, and gets all the money, no repercussions, no questions asked? How are Chase and XXXX Bank not being responsible about this at all?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: EQUIFAX, INC.
State: IL
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:
Well I see where Ive had points deducted from my score for no reason, and Ive had points taken off for the same thing twice in a row also points taken off my score for paying off a loan that should be a good thing. 68 points taken off for no reason at all, but I know the reason because there was an account that wasnt mine and I disputed it, long story short I paid them to stop reporting it, but the credit bureau took it off and removed it 3 times and so somehow they just decided to put 68 points and then removed it again and again Im confused as to why these people who cant speak English have control over my life and whether I can get a house loan, after I downloaded the XXXX  app I realized that they are the best credit bureau because they let you and help you take control of your credit and life and allow you to make a job out of it and be responsible with money and credit, equifax is getting better since my complaints but still them and XXXX  are the worst you cant even access XXXX  website hardly they make it unfair but really they have fixed some points from the credit card utilization which is still not right because its my money and not loaner money so they shouldnt get a say in how much I use as long as its paid on timely fashion some things dont make sense and I will continue to report and expose anything that isnt right oh and one more thing, how come they all dont talk to each other because equifax removed the inquiries but now I have to fight the other bureaus to get them removed its like they wont just check the data base that equifax already has and see that its been investigated and these companies wouldnt have to work so hard and would have all the correct information if they would just communicate with each other and I wouldnt even be complaining about it they could just follow suit with equifax and removed them but what do I know about wasted time and making things better. Apparently nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9500.00}, {$5900.00}, {$2900.00}, {$3900.00}, {$16000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response o utlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
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: Account information incorrect

Complaint:
Wrong information Inquiry details these or not my inquires. 

XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX ( Finance XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX 2021

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 2023-04-14
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: Account status incorrect

Complaint:
Back in XXXX of 2016, we were finally approved for a VA Hamp modification after the attorney sent XXXX XXXX  several letters due to them denying us. They placed us on a temporary modification for 90 days as it was required. The month of XXXX, XXXX and XXXX were all paid on time, therefore we were given a VA Hamp permanent modification. We paid all of our payments on time yet XXXX XXXX  continues to report I was late all the way to XX/XX/2016 which is incorrect. If I was late like they claim why did they approve me for the Permanent Modification? There was {$16000.00} in arrears that were placed as a balloon payment in the modification so they were not suppose to be reporting anything late. Attorney XXXX XXXX, XXXX. told me I could file suit against them but we didn't have the money at the time to do so. I applied for credit and was told my credit score was low and the reason why is because of the mortgage late, even though they are almost 7 years old. I have a spreadsheet I downloaded from their website showing all of the on time payments. Also have a letter XXXX XXXX  had sent our attorney at the time stating all payments being current. Payments had a grace period in which we kept it within that grace period.

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 2020-03-05
Company: Experian Information Solutions 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

DEPTEDXXXX XXXX {$230.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$910.00} DEPTEDXXXX XXXX {$190.00} DEPTEDXXXX XXXX {$120.00} DEPTEDXXXX XXXX {$460.00} DEPTEDXXXX XXXX {$3400.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$1200.00} XXXX XXXX {$1200.00} XXXX XXXX {$630.00} XXXX  XXXX {$410.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX {$650.00} XXXX XXXX XXXX {$440.00} XXXX/XXXX  XXXX {$570.00} XXXX XXXX XXXX XXXX {$650.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED 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