BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received a text from XXXX claiming to be from Chase directing me to what looked like the Chase website ( http : //www.chasexp.co/l ) I was asked to enter my account information and answer security questions to unlock my account, which I did. On XX/XX/XXXX I saw my savings account balance was short {$4000.00} and immidiately called Chase. I was told that on XX/XX/XXXX & XX/XX/XXXX {$4000.00} was transferred out of my savings account via the Chase-XXXX  XXXX app. It was supposedly sent to my mother XXXX XXXX at XXXX XXXX  XXXX. I did not initiate or authorize these transactions and after checking with my mother she never received any notification of these transactions nor any deposits. I will include her bank transaction history to show this ( and she has had the same account for years. ) When I filed the initial fraud claim with Chase I had not connected the XXXX message and the fraudulent account access. 
I have filed a reports with FDIC ( ref # XXXX ), FTC ( ref #  XXXX ), XXXX PD ( report # XXXX ), XXXX XXXX County Sheriff ( report # XXXX ), FBI - IC3, Federal Reserve and a claim w/ Chase ( claim # XXXX ) I have copies/confirmations for each agency. 
Chase at this time has said that the transactions will not be reversed because they believe the transactions were authorized from my device. This is not the case. I believe my IP address was used after being obtained via the false XXXX. I do not believe that Chase is taking this seriously at all but I will be opening a secondary investigation with Chase & submitting the additional information &  documentation I now have. Upon looking into this further I discovered that the text message I received was from a cell # from XXXX XXXX ( XXXX ). Also while looking into my cell phone records I have found that I received one of these phishing text once a month usually on or around the XXXX. Prior messages claimed to be from XXXX XXXX and not having an account there I dismissed the XXXX  and completely had forgotten by the end of the next month. When I received a message claiming to be from my bank, Chase, I assumed it was legit ; not remembering the XXXX XXXX messages until now. 
As well as the 2 trasactions for {$2000.00} each thru XXXX, there were 2 online transfers from my savings account to my checking for {$2000.00} during the same 2 days. I believe whoever is behind the fake XXXX transactions also initiated these online transfers. Again I did not initiate, authorize or even realize there had been 2 specific online transfers ( not made by me ) until getting my transaction history from Chase. I believe that Chase needs to look further into where those online transfers originated as well find out where exactly the transactions went to since their information of XXXX XXXX is incorrect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-11
Company: Nelnet, Inc.
State: PA
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:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with  Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Tower Loan of Mississippi, Inc.
State: MO
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:
I am writing to request the removal of unauthorized credit inquiries on my name of the credit bureau-XXXX, XXXX and or XXXX  credit report/credit inquiries that i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo approved mortgage deliberately on a few investment properties without the due process of checking documentations and qualifications, which drag me into foreclosures. I realized that I was absolutely never qualified at that time, based on my income and overall financial status. Bank offered me mortgage with no documents, no credit check. I believe this kind of act is illegal for any financial institutions. As a result, I lost so much money of my hard-working life savings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a capital one credit card, they are charging me 26 % interest on the card. I have called them and asked that they reduce my interest to single digit interest or at least 12 % they have refused. This is absolutely criminal. America should be ashamed to allow Capital One to say they are helping someone to restore or build credit then gouge or roguely take advantage of good customers. I have never missed a payment and always pay more than the minimal required payment. Oftentimes, paying out or 2x - 4x times more to get rid of the debt. All customers who are at risk of these money rogues should complain by writing letters, going on XXXX and any other modern form of communication possible, to get the attention of these capitalistic lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had a promotional offer that expired during my XXXX XXXX billing cycle. I paid the balance in full on the XXXX billing statement due date. Chase charged me {$27.00} in interest despite that I paid the balance in full. They indicated it was because the promotion expired on XXXX XXXX, XXXX and I paid the balance on the statement due date that was XXXX XXXX, XXXX. It was not stated on the statement that I need to pay off the promotional balance by XXXX XXXX vs on the statement due date. If it was it was not apparent. Chase could clearly see that I paid the balance off in full and should not have charged me the interest. They need to have more clear disclosures on the statemen that the balance needs to be paid by the end of the promotion period to avoid interest charges. This is a change from prior promotional offers I have done which have always been on the statement due date. Also I want to ensure that this will not be negatively impacted on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-13
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In the last two months everytime I try and make a payment to my account for Home Depot which is owned and operated by citibank I have to call them because their website is not working. Last month I was on the phone for almost an hour just to make a payment because their system was not correctly operational unless you open a private browser unless you put in a secure code which you had to call them to correctly put into the browser by two factor authentication you usually put in the numbers they send you through text. There were additional numbers and instructions you had to follow in order for it to work properly as I was told by the customer service rep. Today i was monitoring my credit on XXXX   XXXX and saw i needed to make a payment again. i followed the instructions per the last time i spoke with home depot and again the site was not working. this time they have autopay set up. I did not want to deal with it again so I tried setting up auto pay only for the browser to repeatedly tell me my info was incorrect. The information was no incorrect which led me to beleive the browser must not be working, AGAIN!. Also i noticed the browser was also insecure it was an insecure browser so now i have been putting my information for my banking and im furious. I called the company and they immediately told me that their system was down and they were aware. I said, can i have literature on this please. They said no we dont have any literature. I complained to her and stated that I was trying to make a payment and that their browser was insecure. They asked if i wanted to speak with a supervisor. I said yes. I spoke with them then she took my payment over the phone and said oh we have this acct on file which was the information that was not being accepted. I am very upset that this is not credit company is incompliant with secure services and believe that my information might have been compromised. I am asking that they dismiss my credit with the company because of the security issues that their company continues to have.

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 2023-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Sun XXXX XXXX amount {$860.00} ; XXXX XXXX # XXXX amount XXXX, XXXX XXXX XXXX XXXX amount XXXX, XXXX XXXX XXXX amount XXXX, XXXX and XXXX  XXXX amount XXXX, XXXX XXXX XXXX XXXX amount XXXX, XXXX XXXX XXXX XXXX amount XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 15 u.s.c.1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am trying to review my credit, and make sure all the items on there are correct, but there is account that have been on my credit for a long time that absolutely should not be there. I have no contracts with this company, and did not agree to pay any money 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 2018-07-24
Company: VW Credit
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My daughter purchased a XXXX XXXX earlier this month. I co-signed on the loan with VW Credit. Today, XX/XX/XXXX, i received the first payment invoice, which VW credit gave a due date of XX/XX/XXXX. They also advised, on the invoice, that i should allow for 5-7 days for mailing to ensure payment is delivered by the due date. 

I called VW Credit, spending over 30 minutes on hold, to request a reasonable amount of time. They told me i would have 10 days after the due date ( so, XX/XX/XXXX ) to submit a payment. Given the intervening weekend, and giving allowance to the 5-7 days i was advised, this payment would have to be mailed by this Friday, XX/XX/XXXX. 

VW Credit ( XXXX XXXX XXXXl ) stated that if we made payment within 10 days, we wouldnt be charged a late fee. I requested that they provide that assurance in writing instead of just verbally, they refused, and then stated that they couldnt. They said i should have known that the payment was due on XX/XX/XXXX, as it was in the contract. While this may be true, they did not provide the means for which to make a payment until i received this payment invoice today. 

XXXX continued to tell me everything was in the contract, but abjectly refused to listen or cooperate. I was never disputing what was in the contract, but the unfair and deceptive execution by VW Credit of its obligations under the contract to provide us the means to make timely payments in accordance with the contract without incurring fees ( late fees ) or damages ( credit reporting ). When asked for written assurance, they refused any written assurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Transaction ID : XXXX This purchase was made with a company XXXX  therefore I was entitled to a PROVISIONAL CREDIT WITHIN 10 DAYS WHICH as you can see from the uploads they are wanting me to wait until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: TrueAccord Corp.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX was reached to settle two separate debt accounts with TRUEACCORD LLC. I purchased two separate certified checks through my bank on XX/XX/19 payable to TRUEACCORD, each printed with the corresponding account number. One was for {$260.00} and one was for {$310.00}. I sent the checks together in the same envelope via certified mail with signature confirmation on XX/XX/19 to TRUEACCORD LLC. I received confirmation that TRUEACCORD LLC received the check for {$310.00} and my debt for that account has been settled on XX/XX/19. I called to verify that they received the {$260.00} check and they stated they did not. I explained how I mailed them together and they denied that they lost the check but they would look into it. I called twice more since then and they deny ever receiving the check. I have verification that the money has been withdrawn from my bank account, copies of the check sent, and copy of the fact that it was sent via certified mail. I called for the last time on XX/XX/19 and they again denied they ever received the check and they could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX allowed someone to open a fradulant account Using all of my personal information with out verification. I notified them of this and filed police reports. they turned my account over to Sunrise credit who has been reporting this since XX/XX/2019. They refuse to remove this from my proflle.

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 2018-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX # XXXX is using an INTIMIDATION tactic by placing this account on my credit reports, I do NOT have any signed contracts with XXXX XXXX  OR their client. I do NOT owe {$750.00} and I do NOT have 1 month terms and I DID NOT open an account with my signature OR their client. XXXX does NOT have my signature at ALL This intimidation tactic is ILLEGAL and the last time I checked, they WERE NOT allowed to place anything on ANYBODY 'S credit report. This needs to be DELETED immediately before I file my lawsuit!

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 2023-06-14
Company: Experian Information Solutions Inc.
State: NY
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
please delete these company off of my credit profit 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 XXXX XXXX XXXX XXXX ( IDENTITYTHEFT, GOV ) FTC Report Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PNC Bank sent me a statement that there is an escrow shortage of {$7800.00} and increased the monthly payment even though they can not tell me why there is an escrow shortage or where the escrow money is going. My wife and I have been trying to get answers from PNC for about a month now. There was an escrow balance of XXXX, then 4 months later, a shortage of {$7800.00} so a swing of {$17000.00} in 4 months and PNC can not tell me why, " just pay it ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, INC.
State: NC
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Due to the Covid19 quarantine in XXXX county in XX/XX/2020, my household financial income was affected and thus I elected to enter into my XX/XX/XXXX XXXX proposed payment plan to help with making payments. I in effect closed my XX/XX/XXXX account and entered into a payment plan. At that time I was in need of paying my XX/XX/2020 minimum due in the amount of about {$32.00}. When applying for the payment plan which i was subsequently approved for, I understood from the text of the agreement that the XXXX payment would be optional since the first payment to be drafted was dated XX/XX/2020. This is what the application stated, however upon checking my credit report the following month, I showed 30 days late on my XX/XX/XXXX XXXX for missing my XXXX payment. Until i applied for this payment plan due to Covid19, I had Never Missed A Single Payment on my XX/XX/XXXX. i had paid my card on time for the previous 8 years, never missing a payment and going 30 days late. I disputed this originally in the spring and was told the dispute was " resolved by grantor '', however it still shows a 30 day late mark on my credit score. This is very important to me that I resolve this problem. I am currently enrolled in the above mentioned payment plan and pay each month a fixed amount to my XX/XX/XXXXXXXX. This dispute was corrected under my XXXX  credit report via XXXX XXXX on XX/XX/2020.

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