BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-26
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: Information belongs to someone else

Complaint:
An account listed as XXXX XXXX & XXXX Account XXXX on my credit report says I am an authorized user, which I am not. I filed a dispute Report NumberXXXX with Experian on XX/XX/2020. I called the credit card company on XX/XX/2020 at XXXX XXXX XXXX and tried to resolve this issue. At that time they confirmed that my social security # was not in their system as a card holder. They also let me know that they couldnt help me without the full account number, which I do not have. I have the same name as my father, XXXX XXXX XXXX and I am certain the account belongs to my stepmother ( she even confirmed the balance that I shared. She even tried to call XXXX XXXX and resolve, though they let her know that they dont write letters to account holders saying who is or isnt on the account, which I was hoping to use to prove I am not an authorized account user on this card.

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 2020-10-26
Company: JPMORGAN CHASE & CO.
State: NJ
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:
I am and for years have been the holder of a Chase Sapphire Credit Card. Since XX/XX/20 Chase has been charging me for principal I do not owe and interest on those charges. Since that date I have paid only for new charges. I have written Chase 10 times since that date but have been ignored each time although Chase has confirmed receipt of my messages. Chase has refused my request to have a Supervisor review my account. Chase has refused to talk to my designated attorney, my husband. Chase has agreed with me on certain disputed items but has not removed them from my account. Chase has charged me for items they refused to pay. Chase ignores me ; hopefully they will not ignore you. The current amount in dispute is {$3700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I signed up with Experian to find out why my credit score dropped dramatically on XXXX XXXX. Once I signed up I found a mistake on a {$100.00} medical bill that I paid and filed a dispute showing payment. The charge was taken off but my credit was still listed as fair. When I signed up with Experian they wanted me to pay for the better service and give them access to my banks login and let them search my bank statement!! I would never allow this. My score was lowered AFTER not allowing them to do this. I had excellent credit in 2019 and have done nothing but pay off my small credit cards and my credit score should of increased. Instead its been lowered to fair. Experian will not answer their phone it will not let you even push a extension and hangs up on you. No emails to contact. Something is wrong here. I am a XXXX person and need my good credit and deserve it. I pay my bills early!! I cant believe they wanted me to pay them to give them access to my bank login!!!

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 2020-11-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed the debt multiple times and have never received verification of the debt being reported by Portfolio Recovery Associates, LLC ( a subsidiary of PRA Group , Inc. ). The agency has changed details reported about the type of debt multiple times including reporting it as a changing account dates, reporting balance history as missing data after having previously reported data for that month, originally reporting the debt as credit card, followed by reporting the debt/themselves as factoring debt/company to circumvent the Fair Debt Collection Practices Act and then changed to reporting the debt as an installment loan. The company has responded to disputes by slightly alter some detail reported

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: WELLS FARGO & COMPANY
State: MN
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 initiated a 0 % balance transfer with Wells Fargo in XXXX of XXXX. I have since been using the card for some purchases. Every month I pay the minimum balance and the additional amount I charged on the card for that month. Wells Fargo is applying both my minimum payment and the additional payment to the 0 % portion and not toward the higher interest rate of 22.15 %. The Credit Card Act of 2009 mandates credit card companies to apply the payment above the minimum payment toward the highest interest rate. Instead they are applying to the 0 % rate, and I keep getting charged interest every month.

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 2018-02-27
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called and was told there is a wage garnishment in place. I asked what I the debt can you provide original documents because I was a victim of identity theft. XXXX XXXX   XXXX tried to collect this debt and was unable to provide proof of debt and did not serve me properly. Now Fein, Such, Kahn and Shepard now want to collect all they sent was a wage execution letter. I was not served with any notice prior to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
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 status incorrect

Complaint:
XXXX XXXX XXXX incorrectly applied two mortgage payments inXX/XX/2018. This created a delinquency for XX/XX/XXXX payment and beyond. Ive been in contact with XXXX since XX/XX/XXXX and the problem is only partially resolved. XX/XX/XXXX-XX/XX/XXXX shoe correct payments on time. XXXX- present show as delinquent and this is incorrect. Ive submitted copies of cashed checks and the problem has not resolved.

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 2022-06-14
Company: WELLS FARGO & COMPANY
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:
XXXX XXXX, Wells FargoXXXX XXXX XXXX hard inquiry. 
Representative stated to me that they will remove false information that I never applied for any Wells Fargo products.

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 2018-10-01
Company: U.S. BANCORP
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I lost my card and reported a fraudulent transaction in XX/XX/XXXX. I requested a new card then and am yet to receive it! There is money on my account but I can't access it because I don't have a card. I can't even login to the website to request a transfer to another bank because my online account is inactive due to a " problem with my card. '' Ever since I first called to report the card lost or stolen ( and supposedly was sent a new card - they verified my address and everything ), whenever I call I just go around in circles because it asks for my card number ( which I don't have ). I also filed a complaint with the BBB and they called me in response to that, but they called from a blocked number, so I didn't answer. And the voicemail they left just told me to call the number on the back of my card - but I don't have a card to look at the number of!! And so I called the general number I was able to find online but after going around in circles due to not having a card number, I reached someone a couple different times and either got hung up on or disconnected. The next several times I tried to call, it said my wait time would be upwards of 30 minutes, I could only wait about 15 due to already wasting time on the needless phone tree.

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 2021-02-23
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I disputed two ATM charges with Chase Bank that I completely do not believe I made. The dates of the transactions are XX/XX/XXXX and XX/XX/XXXX both for {$100.00} each. These were ATM withdrawals at a local bank. To confirm, I checked my timeline through XXXX XXXX  and it shows I was never at the bank on either of those days. 

In recent months, I had a credit card skimmed/shimmed and used to make fraudulent charges. The credit card company confirmed the fraud and reversed the charges. I believe something similar happened with my ATM. 

I told Chase bank all of this on XXXX. On XXXX the charges were removed and on XXXX they states reversed the removal. On XX/XX/XXXX I called the number on the letter which said I was entitled to request the information used for the investigation. The only information they would give was to say that the chips can not be compromised. I have doing some simple research online, I found that is not true. I asked for ATM video and they refused saying the investigation was closed. I do believe that they conducted a reasonable investigation in this circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, It has been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a Bluebird Account through American Express.  You must have a check pre authorized at which time the funds are deducted from your account.  I have now had them bounce my pre authorized rent check twice.  Not only have I incurred charges from my landlord but they are now in the process of evicting me from my home.They have not responded to my previous letter of XX/XX/XXXX and I have written to them again.  I have attached the materials to this email. Any assistance with this would be appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-23
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced and closed on XX/XX/21 through XXXX XXXX XXXX Mortgage ( XXXX XXXX, CA ). We have an email that there would be no payment for XXXX. But Amerihome ( the previous mortgage firm ) although the full loan was paid to them, still took another monthly payment for XXXX. So Amerihome got paid the full loan amount and took the extra monthly payment of {$2300.00}. We have contacted XXXX XXXX XXXX Mortgage and they have not returned our emails. We have contacted Amerihome numerous times and they sent us a check for {$.00} cents. Any help in getting the money returned to us would be appreciated. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
my information was fraudulently used in a breach in the past, and it is still being used to obatain services i didnt authorize and is harming me financially and personally in a negative why

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 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Called chase to ask for assistance. Won't enroll me in hardship program unless I'm employed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Experian Information Solutions Inc.
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 am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : XXXX XXXX XXXX XXXX : XX/XX/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 2020-11-17
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
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 submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contacted XX/XX/XXXX and they are refusing to remove these fraudulent account as well as XX/XX/XXXX and I am not able to gain access toXX/XX/XXXX so that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contactingXX/XX/XXXXI was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: GUARANTEED RATE INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
At the beginning of the pandemic I accidentally opted into a Loss Mitigation program. I have called around the 30th of each month since XXXX to be removed from this program so that I may make payments online- once one is opted into this program they can not make online payments and must call to arrange for payment which also incurs processing fees. During one of these calls ( XX/XX/XXXX or XXXX ) I called and arranged for payment and requested to be removed from loss mitigation yet again- my payment info was taken, processed, and was misapplied. Each consecutive month since, my statement has shown as past due despite paying by the XXXX of each month- NO payments have been missed. My monthly mortgage is {$1500.00} and I am now showing as > {$4500.00} past due- again, NO payments have been missed. 

At the request of customer service, I emailed screenshots on XX/XX/XXXX of my bank statements with proof of the funds leaving my account each month. An automated email informed me I would receive a response back within 24 hrs. I did not receive an email so I followed up on XX/XX/XXXX @ XXXX CST and received a response within minutes. I was informed by XXXX XXXX that she was working on my account and would provide status very soon. I did not hear from her. I emailed again XX/XX/XXXX and XXXX both emails I have not received response to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I filed 2 disputes with experian they fail to verify accounts on my report as accurate,

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 2017-08-04
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am bringing to your attention a matter that has significantly disrupted my life and caused me severe hardship. This collector reports continues to report an account on my credit report that should not be there. On   XXXX   XXXX  , 2017 I wrote to this company and had them served notification of my dispute by certified return receipt mail In the letter I asked that they produce my signature to show where I agreed to pay this alleged debt along with all other documents that I may have signed and agreed to. No such documents were produce and yet the company just kept on reporting the account on my credit report as a valid account despite my dispute to the credit bureaus. My legal counsel has advised me that this is a violation of Sec 809 of the Fair Debt Collection Practices Act that is enforceable in court.

Company response to consumer: Closed with non-monetary relief