BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-14
Company: WELLS FARGO & COMPANY
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
In reviewing accounts online XX/XX/XXXX, saw a fraudulent cash advance from my visa credit card to my checking account for XXXX and a cash advance fee of XXXX additionally unauthorized changes were made with signing my account up for bill pay and then sending XXXX bill pay checks, adding up to the XXXX ; all unauthorized transactions were on date XX/XX/XXXX. 
Called Wells Fargo on XX/XX/XXXX and filed claim on the phone, the rep had closed the checking account, issued stop payments on the bill pay checks but only froze the visa CC. Received Affidavit of Online Fraud form in the mail requested by Wells Fargo and was completed and faxed on XX/XX/XXXX. 
Received denial letter dated XX/XX/XXXX, informing me of the denial reason being the claim was filed past the 60 day window, using date XX/XX/XXXX as the start date. 
Called WF on XX/XX/XXXX regarding the denial letter and was informed of 2 authorized cash advance transactions, in the amounts of {$250.00}, posted on XX/XX/XXXX date and {$5.00}, posted on XX/XX/XXXX date. I explained I was not disputing those 2 transactions and being unknown as to why they were added since they are not related. WF rep confirmed receiving form that was faxed and stated to write a letter to WF explaining i was not disputing those 2 charges. 
Submitted clarification/dispute letter along with copy of Federal Trade Commission Identity theft report by fax on XX/XX/XXXX. 
Follow up letter dated XX/XX/XXXX informing me the case was still closed and that they were sticking to the original decision of my claim being denied.

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 2023-03-09
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023, I created and mailed a letter to Comenity requesting documentation with proof of my identity about Account Number : XXXX and I have yet to receive a response. The timeframe has exceeded the legal time frame for the documents to be produced. I have no idea how to get the documentation and I am in need of assistance at this point. According to the FCRA, I am entitled to receive these documents upon written request and now they are violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Please remove the following items : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2021-10-08
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: Account status incorrect

Complaint:
I had a XXXX XXXXXXXX XXXX XXXX with an account ending in XXXX It went delinquent in XX/XX/XXXX then they charged it off at the end of that year and filed a court case against me in XXXX of XXXX, which eventually turned into a judgement. I have paid the judgement in full, recently, but the credit is still reporting the balance owing {$6000.00}. Please see the court information and the judgement completion documentation from XXXX XXXX. They need to REMOVE THE BALANCE OWING ASAP, I am trying to purchase a home which I can not with that balance owing. 

Furthermore, it is unethical for them to both claim I owe on my credit report and dually file a judgement against me. They should have zeroed out the credit report when they were granted the judgement for the owing balance. This has been affecting my credit in 2 different ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " lt also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

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 2019-11-05
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2018 I entered into a loan refinance with Loan Depot. I was in the process of getting a divorce and told them it would be final around XXXX. I needed to get My spouse off of the loan and title/deed. I told XXXX XXXX that my condo was on XXXX lease land and gave him the contact info. He said it was no problem and would take care of it. The loan refinanced but they failed to contact the XXXX company and the BIA. I then was told to do a quit claim. I did this. Then last month I found out that none of the process was followed correctly by the escrow account. They never check with XXXX XXXX or the BIA and now I am told that I have to fill out forms and pay fines as the BIA doesn't allow quit claims and the loan was not divulged to them as they still show the previous loan company as an encumberence. I asked Load Depot to fix this problem and they say they cant. 
" XXXX XXXX XXXX XXXX ( 30 minutes ago ) to me, XXXX As mentioned below, There is nothing we can do on our end, as myself and XXXX process loan application for refinances. We do not have any access to loans that are in loan servicing '' Can you please advise what I should do next? I thought when paying an escrow company to manage a loan that I was paying them to do the correct process?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: DISCOVER BANK
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a quote from automotive insurance XXXX. It wasnt even due yet from another company. XXXX they charged me. I said absolutely NOT I have insurance. I had insurance it was not due yet and renewed with XXXX. XX/XX/2011, XXXX, and XXXX? XXXX. And XX/XX/XXXX. XXXX. Discover wants to charge fees that I do not understand and I will NEVER do business with XXXX or Discover credit ever. I was a outstanding credit card holder since XXXX They changed. Ive disputed and went to business resolution. It is a joke.. Use another credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-06
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:
I disputed a late payment with all 3 credit bureaus. XXXX  updated the late payment info to say positive no late payments. However, XXXX and Experian did not. I asked experian and XXXX   how they verified this information and with whom, but I have not been sucessfull in my attemps. High credit should also reflect XXXX last payment should say 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 explanation
Consumer complaint received 2023-06-02
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I've requesting a second look into reviewing my missing funds of {$4000.00} removed by Chase Bank on XX/XX/2023. The check was deposited on XX/XX/XXXX via the Chase Application on XX/XX/XXXX. The deposited check does show it was added to my balance on XX/XX/XXXX with the provided Chase bank printout provided by the bank. Chase bank is stating that this same check was presented in a different financial institution on XX/XX/XXXX and to contact XXXX and the maker of the check. The maker of the check is myself since I own XXXX XXXX XXXX, and this {$4000.00} dollar is my salary to myself. I also did provide bank statements and a letter from XXXXXXXX XXXX stating this check has only been presented once, so actual proof that it was paid to Chase alone. I've uploaded statements from both Chase Bank and XXXXXXXX XXXX XXXX statement showing the check was cashed once and not presented twice. I've also provided a letter from my bank at XXXXXXXX XXXX that the check was only ever presented once. If it has been presented to cash anywhere else including a check cashing facility, it would show up on my XXXXXXXX XXXX account as returned for duplicate item or paid, it is nether. The only bank who received these funds was Chase Bank. This second letter from my banker has his direct line to confirm this fact. They've ignored the letter provided and have not returned my banker phone message at XXXXXXXX XXXX to confirm this as a fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, Dept Of XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00}, Dept Of XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX and Dept Of XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} 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 2023-03-19
Company: Block, Inc.
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This scam has happened twice now. With the most recent being the most promising in appearance. The first one was for {$350.00} and I was told CASHAPP couldnt get it back to me. This time its {$1000.00} and {$650.00} they sent to be turned into XXXX. The scam started on XXXX with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX He then gave his XXXX  ( XXXX ) where on his story he shows multiple XXXX saying they received payments. He asked for {$110.00} using a bit of foot in the door psychology to ask for more. Then he directed me to an agent who contacted me via email ( XXXX ). They said I needed to pay processing fees that now amount to {$900.00}. They then told me another accountant would pay me. The accountant paid {$650.00} to me but demanded I give it back in XXXX. Their email is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I've had to put my home on short sale 3 years ago because XXXX keeps denying that they did something wrong. I see that they are settling law suits for bogus and inflated loans. I provided all of the psperworks where my income was inflated inorder to refinance. They told me that at that time, there wad no imcome check and why did I had to provide my income with copied of XXXX and pay stub. I need to knoe who or where I can go to to have them review They have closed my case and I feel that they were XXXX XXXX me. My husband XXXX passed away and my child and I was literally out of a home. My address was XXXX XXXX XXXX, XXXX Florida XXXX. My # is 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 2022-12-14
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
Chase keeps reapplying fraudulent charges to my credit card! 

Last month, I reported my credit card stolen within an hour after being pickpocketed. I " locked '' the card from my bank 's app. 

Though I only reached recordings ( " the fraud center is now closed '' ), I managed to call and use the automated system to make the report and to request a replacement card. 

A week later, on Black Friday, over {$8000.00} in charges were made on the " locked '' card. XXXX XXXX, XXXX, XXXX, XXXX XXXX, and even snacks at XXXX 's. 

After I made more calls to the " fraud center '' during business hours, the charges were credited, but incompletely ; my balance fluctuated. During each call, I was consistently reassured that these were all " automatically '' regenerated by their " system 's back end, '' and that I could ignore the alarming reappearance of these charges. " This just means our team is investigating these charges, '' they said. " You'll get a call within XXXX hours. '' No such call ever came. 

As of today, I received a " letter '' in the app 's " secure documents, '' informing me that I reported all $ XXXX charges as valid yesterday! I did no such thing! Half a dozen calls gets me only bland assurances. 

Is this an inside job? I did not have any of this trouble with the XXXX other cards that were stolen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
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:
On my Bank of America statement, as I was close to final payment of a balance transfer with a 2 % APR, I was repeatedly charged a monthly {$1.00} " fee '' in substitution for a negligible interest amount. I was unable to determine, from information on the paper statement or online, exactly how much that balance was so that I could pay enough to get rid of it and avoid the annoying " fee. '' ( Meanwhile, about the same time that the prior balance should have been paid off, I had transferred a new balance to the card at 0 % APR and had paid the 4 % fee. ) Bank of America did remove the {$1.00} fee for each of the 3 months that it appeared, but I had to call and " escalate '' to a supervisor each month, which was annoying. 
I am complaining because my paper statements have the required grid of " Interest Charge Calculation '' with column headings for the balance amount, APR, etc., but the " Balance Subject to Interest Rate '' for all balances ( i.e., each different balance transfer, loan, purchase, etc. ) is always XXXX. This amount is simply neither computed nor displayed. Without that balance information, it is difficult for me to plan how much to pay to get rid of certain balances, e.g., the minimum payment + interest + amount of highest rate balance. 
In comparison, the statements that I receive from XXXX XXXX have the balance information filled in on this grid. Moreover, the statements that my spouse receives from Bank of America have this balance information. Obviously, the prior balance at 2 % APR should have been displayed and even the current balance at 0 % APR should be displayed ( even 0 % is an APR ).

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 2023-05-20
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX charged {$160.00} for the equipment that I have proof that I returned. I have made multiple calls to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company has a collection on my credit report in the amount of {$3500.00} that they say belongs to me. I get threatening calls even to my family members that live on the east coast. Im writing to you because not only is this an issue but the fact that there are more than the account has multiple inaccuracies and its hurting my chances of buying a home. I have contacted them as well as XXXX and to no avail XXXX dis not do a thorough investigation on this matter. I want this account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Creditors for the chase slate card have made me a victim to their viscous pay cycle that never works right because of there ways are wrong. The creditors blame me and causes interest so high my credit card is impossible for me to pay off! Even when I have owed such a small amount and have kindly asked multiple times for them to help me in any way and I also add funds to pay it they never accept my payments on time or even get the payments set in. They tell me I'm to blame for it but I have been paying on time each time for over six months and they continue to harass me with calls and way higher fees I can't seem to avoid the harassment in there unfair prices for there problems and also the harassing phone calls.

Company response to consumer: Closed with non-monetary relief