BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I opened a vehicle loan with Wells Fargo Dealer services. I paid my monthly payment on time as a agreed with no issues. I paid off the loan sooner than expected. For the last payment in XX/XX/XXXX, I made my payment through their online payment portal as per usual. I was unaware that I needed to call in and wire or mail in the payoff amount. They gave me a 30 and 60 day late. I reached out to them several times if they could take this off my  credit report but I got no answer in my favor.

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 2018-04-09
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:
I had an account with XXXX that was paid and I did notice they report it as unpaid and, that is damaging my credit profile. a payment of {$1300.00} was made on XX/XX/2015 and was posted, see screenshots and PDF of Account Statements from XXXX attached, by acting this way, XXXX is in violation of the FDCPA ( Fair Debt Collection Practice Act0, the FCRA ( Fair Credit Reporting Act ), the Uniform Commercial Code ( UCC ) and the USC ( United States Codes Title 18 sec 8. XXXX did received payment and still report the account as DELINQUENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was checking my credit report today XX/XX/2020 because I was going to apply for a loan but I saw eleven accounts on my credit report that do not belong to me ; I had no idea these accounts were on my credit before today because I never gave anyone permission to open them in my name nor did I ever sign any contract or agreement with any of the companies I listed on this report. I am not affiliated to any of these companies and I did not give them permission to run or access my credit information. I did not benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I did not make any payments towards any of the balanced on these accounts. I don't know who could have got a hold of my personal information to open these accounts but I have already filed a police report in hopes of getting these unauthorized accounts resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: AR
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/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they have to be deleted. Filing for litigation due to the stress would be the next step for me to take. The wrong person my have used information which was impacted by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I used my Chase debit card to withdraw {$800.00} on a Chase ATM on XX/XX/2021. The ATM did not dispense any money. 

I contacted Chase Claim Department and they issued me {$800.00} temporary credit. 

Today ( XX/XX/2021 ) they sent me a letter saying that they will remove {$600.00} temporary credit. I called them again and they said their " investigation results '' show that I got {$600.00} of the money so I should only get {$200.00} credit. 

This is wrong. I got {$0.00} from the withdraw and {$800.00} was deducted from my account. No matter what their investigation says there must be some mistake with it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have a XXXX XXXX credit card on my credit report that I have no knowledge of, I submitted a complaint with Transunion on XX/XX/21 it's been well over 30 day and they have not responded back to 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 2019-01-26
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Reference code : XXXX XXXX was contacted around XX/XX/XXXX to dispute multiple transactions ALONG with another card what was opened without my knowledge. I had assumed the card was closed in good stadning as I was a reliable customer of theirs since around XX/XX/XXXX and had 0 late payments on my record with them. Upon further investigation of my credit report, it showed that american express had sent the card to collections. Around mid XX/XX/XXXX, I had called American Express in regards to this discrepancy and was told that a fraud investigation would commence without delay as long as I send a letter in writing stating my case. According to Amex, they initially closed this dispute because it was filed under " opened not on my behalf '' instead of " disputed transactions and use by someone other than myself. '' I had sent the letter to American Express Fraud  Services on XX/XX/XXXX. 

On XX/XX/XXXX I was sent a letter by Amex stating the investigation has been closed because not enough information was provided. The letter also stated they had tried to contact me multiple times however this was not true in the slightest. I am always open to communication and cooperation. Reference code : XXXX The card had not been used since XX/XX/XXXX however charges kept appearing.The card was in my possession so it must have been stolen in a more sophisticated manner. The charges were apparently never resolved and I had asked for the card to be closed multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is trying to collect on an account that does not exist. It has been confirmed by XXXX XXXX that I am not responsible for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: JPMORGAN CHASE & CO.
State: TX
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:
I Received my credit report showing a inquiry from CHASE CARD on XX/XX/18 that I applied for a credit card. 3 years ago I was a victim of identity theft where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any credit cards and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary.The item is inaccurate, misleading, or incomplete, may have violated federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09
Company: Experian Information Solutions Inc.
State: GA
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 settled this with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has no right or valid contract, it is against the law to collect money twice ... XXXX XXXX XXXX has no right or valid contract, this was settled with XXXX XXXX XXXX XXXX XXXX, you can not collect money twice ... 
I contacted original creditors and was told that your system may not be updated or is in error ... XXXX verification is faulty ... and they told me that they ( the creditors ) did not verify this to you ... please remove or litigation will follow, this is in violation of F.C.R.A. law

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 2018-04-10
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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 called XXXX XXXX for XXXX XXXX in regards to a past due amount showing on my statement. this is incorrect I have all my payments made on time. so I have disputed this issue 4 times with the company and they said everything will be resolved and still showing on my statement. so today XXXX-XXXX-18 I call spoke with XXXX XXXX supervisor and still stating I owe double the amount for I have paid before due date and it will not reflect on my statement as payment made for the current month. It only reflects as an additional payment, that is what I was disputing that customer service had stated this would be fixed since It was the first time this happened and not aware that if I make my payments before due date they will not sure for the current month. so I said I did not owe what the balance says past due. I am current with my payments and they still did not resolve my issue, I even have a letter about the situation stating they resolved it. so I suggest for other customers to know about the issue so that it won't happen to them.

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 2018-04-09
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX  attempted to reach out to me about a debt that was owed to XXXX XXXX department. However, to my knowledge I had no outstanding debts the creditor. 
When I called XXXX 's to see why I was being charged for excessive amount of late fees XXXX XXXX   stated that the debt is now owed to XXXX XXXX and that I will have to contact them regarding this debt. I was never properly served with the adequate amount of paperwork. When I reported to XXXX XXXX that my credit card was lost and needed a replacement. I have not received my credit card replacement till this day. I went monthly to transact payment and check on my account incase my credit was being used fraudulently.

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 2018-10-09
Company: SYNCHRONY FINANCIAL
State: TX
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:
I Received my credit report showing a inquiry from XXXX/LOWES on XX/XX/XXXX & XXXX on XX/XX/XXXX that I applied for a credit card. 3 years ago I was a victim of identity theft where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any credit cards and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I do not have any means of applying for any credit cards as I can not afford any more debt. I did not give this company permission to run my credit for any means necessary.The item is inaccurate, misleading, or incomplete, may have violated federal law.

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 2018-02-02
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo continues to be non-responsive to repeated errors with simple mortgage loan recast. Received invoice for statement date XX/XX/2018 and payment date due of XX/XX/2018 with incorrect principal amount and incorrect total amount due. Amount due reflects previous mortgage amount and not recast amount and principal balance is wrong, failing to account for large balloon payment made on XX/XX/2018. It is truly astonishing how inept this organization is. I have never encountered such a lack of coordination and a lack of accountability. You should run from this organization.

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 2017-12-08
Company: Netspend Corporation
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello CFPB, Thank you so much for taking care of helpless customers who need to deal with some poor regulated bank. 

I am writing to complain Netspend ( XXXX XXXX ). My name is XXXX XXXX. My card number is XXXX. XXXX last year 2016 I opened both checking and savings account. At that time I chose the account plan - " Pay as you go '', which charges me a fee when I use the card but does not charge me any monthly fee. 

However, recently I found out that my account was locked ( not sure when did this happen ) and I did n't get any notice during this whole year. They actually had my email address and my phone number on file. They locked my account and banned me from accessing my money without ANY notice, nor did they verify my identity before doing this. 

I just got access to my account these days and was surprised to find that I was charged monthly fee of {$5.00} for more than 1.5 years. Their representative could do nothing but kept asking many questions, and totally wasted my time. Every time I asked them to transfer me to their supervisor, the music is going on for around 1 hour, and another similar representative picked the call. Those people are just stonewalling and wasting customer 's time. 

Right now I strongly suspect they lock customer 's account in purpose and then charge fees on their account. 

Thanks. Thank you so much!

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 2019-11-19
Company: General Motors Financial Company, Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX and XXXX XXXX I sent letters to Gm Financial asking for copy 's of documentation related to the deficiency they claim I owe on a repossession. I never received the legal documentation that i requested so I sent a second letter requesting the same documentation. Their reply for the first and second letter was the same. They sent me a copy of a contract and a copy of a billing statement on both occasions. They also sent me two other letters which are included in my uploads. Under the laws of UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the  required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.They are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. I have never received any of these legal notices and documents. On the account payment history that they sent me it states that this account was charged off in XXXX.I did not receive this in XXXX and I still have not received them in XXXX even after 2 written request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Live Well Financial, Inc.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
Reverse Mortgage on my property was scammed by a criminal posing as an FBI agent. 
The amount that was due in XXXX was taken away by telling me that I had won an award that taxes had to b paid to agents of the FBI. The mortgage company should never have released the funds because the safe guards were not observed.

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 2021-02-12
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX sold a debt in XXXX and a collection agency Creditor Name AMSHERCOLLECTIONSERVICES obtained debt claims account was opened XX/XX/XXXX and placed in collections XX/XX/XXXX for a XXXX Debt wasnt incurred by me and collection company has been harassing me via phone and letters claiming to seek a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Conn's, 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:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over thirty ( 30 ) days and I have yet to recieve any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: MidAmerica Mortgage Inc
State: AK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
MidAmerica mortgage is my servicer for my mortgage. They charge a fee for paying online that begins on the XX/XX/XXXX and the fee goes up the closer to the XX/XX/XXXX you make your payment. Due to this I mail my mortgage payment to them as I dont want to be charged {$4.00} plus for online payments. 
In XX/XX/XXXX I mailed my payment and didnt see the check clear. I emailed the XX/XX/XXXX as I didnt want to incur a late fee. To date I have not gotten a response. The check cleared my bank account on XX/XX/XXXX. The back of the check says their bank ( XXXX XXXX ) received the check on XX/XX/XXXX. MidAmerica did not post my mortgage payment to my account, according to my online account, on XX/XX/XXXX. I received a delinquent notice today ( XX/XX/XXXX ) that shows I have a late payment of {$41.00} due. Also today I received my mortgage coupon that shows I owe two payments for a total of {$2500.00}, which also includes the late fee. This is not the first time they have not posted my payment on the day they actually received it but this is the first time they have tried charging me a late fee. If their bank received my check on the XX/XX/XXXX I shouldnt be charged the late fee as I have until then according to every mortgage payment I have received from them. 
The first attachment is where they show the payment being applied on XX/XX/XXXX and the second attachment shows the back of the check with a date received of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 am having difficulties retrieving my credit file and applying for credit. I have requested multiple times to have the extended fraud alert removed from my file. However, for some reason, the CRAs continue to display this alert. The alert is causing undue delays in retrieving my own credit reports and acquiring needed lines of credit. PLEASE SEE THE ATTACHED FILES TO SEE MY FORMAL REQUEST FOR REMOVAL OF THE EXTENDED FRAUD ALERTS.

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 2021-04-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : Chapter XXXX  Bankruptcy-XXXX Chapter XXXX  Bankruptcy-16XXXX Chapter XXXX  Bankruptcy-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Received a title loan form XXXX, in meantime my car was totaled. XXXX was informed and repossessed the car. Was sold at auction, and status or amount still owed has never been tallied or given to myself after several requests. nor can i get accurate info when calling

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XX/XX/2017. I deposited a check i forgot to sign it. They froze my account and wouldn't give me my money back. The check was for over XXXX

Company response to consumer: Closed with explanation