BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-11
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
We have a mortgage with Chase Bank. 

On XX/XX/2022, we received our monthly statement. It indicated that we had failed to make a payment due XX/XX/2022. 

I immediately called chase bank to determine the status of our payment as we had made payment on XX/XX/2022 for {$1500.00}. The payment was processed through our online banking bill pay through XXXX bank. Previous payments have been made a received through this same bill pay. 

I was told that I shouldnt be alarmed and that the payment may surface. I informed them that my payment due In XXXX was already in process. I agreed to follow back up with them in a weeks time. They indicated that my credit was not at risk during the call. 

I received an automated text from chase bank on XXXX indicating that my mortgage needed attention. I was already aware of the issue with the XXXX Payment. I went to login through the text link. Because of my lack of technical aptitude, I managed to get security locked out of my account. Frustrated I decided to call them when I had time to speak. 

I followed up on XX/XX/XXXX by phone to determine if I should take any action. I was informed that they had not yet received my payment. I offered to make a payment by phone to cure the issue so there would be no adverse credit reporting issues. Im in the real estate business so good credit is very important to me and integral to my ability to finance. Payment was taken over the phone. Late fees were waived. The operator indicated that she thought my account was still too new at chase and likely not even reporting yet.

Today I woke to a notification that my credit score has dropped by XXXX points. From XXXX to XXXX. This is due to an erroneous derogatory complaint made by chase concerning this account. 

Chase inaccurately represented their intentions to send derogatory information on my credit report. Further, despite the fact that I spoke with them twice, they did not provide me with an opportunity to correct the problem in a way that would have prevented the derogatory event from happening. 

I spoke with Chase this morning. I Spoke to three people for about 90 minutes. I was told they would have to review the recorded conversations, and they needed evidence from me. I emailed them my payment confirmation from XXXX for the disputed payment and demanded they act quickly to repair the damage they have done to my credit. They appeared unconcerned and could not assist in expediting a solution. 

This is inappropriate reporting. Derogatory information should only be reported when there is clear default. These credit reporting practices are abusive and they should work much faster when they erroneously damage a customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today XXXX/XXXX/XXXX, I attempted to contact Experian due to some inaccuracies showing on my report. I have numerous unauthorized inquiries reporting. The XXXX I spoke to initially started the process and refused to go any further because she states that I have opened an auto loan in the time frame from XXXX. Her facts are completed inaccurate and are based off assumption. While having purchased a car in XXXX XXXX, I only use one bank to process financing on all of my vehicles in which is XXXX XXXX XXXX XXXX. In XXXX I refinanced the same car with XXXX XXXX XXXX XXXX. The fact that she took it upon herself to deny me rights to reporting inaccuracies on my file is nothing less than mind blowing. I request that all none account associated inquiries be removed from my file, for I have no knowledge and did n't authorize any of 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 non-monetary relief
Consumer complaint received 2017-10-31
Company: FastBucks
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
in XXXX XXXX on XXXX or XXXX money was taken from my account and i called and spoke to XXXX at the store on XXXX and told her that she had processed the payment to early which cost me an overdraft fee, in XXXX XXXX the same thing was done i told this manager that the previous manager would always call if they are taking the payment earlier and she said that she is not going to do that. and she doesnt call and remind me that the payment is due or will be coming out and this is what i was used to since i began business with fast bucks. In XXXX i told not to take money from my acct untill the XXXX XXXX each month. I have overdraft fee again as they have taken XXXX today XXXX/XXXX/XXXX i called the call center and this girl tells me that she has to pull my contract but she is in another state and im pretty sure my contract is in XXXX XXXX XXXX so I am making it official I no longer wantt you guys taking my money she says that collections XXXX XXXX XXXX proceed as normal. and the actual store person will not answer the phone. the last time that i had an issue with XXXX she stated that she would have her boss call me but that call wasnt recieved and she stated that he called but he didnt .. my encounter with this new manager and fast bucks continuously make me regret doing business with them. i told the person at the call center today that fast bucks can no longer take money from my account .please help me to settle this matter she seems XXXX think that she can take money from my account XXXX  she feels like it and she is very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: U.S. BANCORP
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX XXXX FXXXX insurance was placed against an SBA loan unknowingly to the borrower. The lender, US Bank, took an additional XXXX dollars of flood insurance before the borrower was able to get it stopped. The lender required us to get flood insurance totaling XXXX XXXX dollars against a loan that had a balance of {$88000.00}. We feel that money is owed to us as we had borrow provided insurance in place and supplied proof of it which was acknowledged by the lender, even though they continued to try and take more money from us for their forced placed flood insurance. The documents I will provide show an accurate detailed timeline of events, as well as all of the documents the bank provided us.

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 2020-04-26
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
n XXXX I applied for Mastercard business credit card at the Sams Club branch in XXXX. 
I got a reply from Synchrony Bank on XX/XX/XXXX ( attachment ) That my application was rejected because " My company name could not be verified '' A month later I went to the Sams club XXXX again and after checking all the data in the system I sent the application again. 
On XX/XX/XXXX I got the same answer " Unable to verify business name '' ( attachment ) I would like to add that I have a corporation Amazon 55 credit line and a JCP credit line at '' Synchrony Bank '' ( attachments ) I also have a Duns number and a credit business history in 'XXXX  XXXX  ' ( attachment ) It is not possible for a Synchrony Bank to don't finds My company name. ( everywhere My company is available on the internet. I also have several different credit cards from major American banks ) ( attachment ). 

I don't know why Bank Synchrony can't verify my name?? since I already have a credit line with them?? 
It doesn't make any sense to me. 
I talked a few times in the customer service about My case, but no one knows why and cant help Me I need to help with someone who can solve the problem.

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 2017-12-27
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have been doing business with Coinbase for almost a year, and although I have heard tons of Nightmare stories I never had an issue. That is until now. I requested a bank wire from them to my bank account in the amount of XXXX XXXX/XXXX/XXXX, and this should 've been done the same day, but it did say it could be completed on the XXXX. It is now the XXXX, and I cant get one answer from them. I have called, and after waiting for XXXX XXXX hours for somebody to pick up I was told to ju1st wait, and to stop complaining before she then hung up on me. I have written them on XXXX, XXXX, XXXX, and their site and I have gotten no response. There are hundreds, maybe thousands, of people on XXXX who are posting similar stories. Nobody can even get one response. This is absurd. Not to mention they did a surprise listing by of a new asset called bitcoin cash, and there was massive volume increase for bitcoin cash on all the other exchanges before the surprise listing. Blatent insider trading. They said they are investigating their employees for insider trading, but that 's does n't help us. For a company making as much money as they are, and with as many customers as they have to not have a customer support system is ridiculous. I am hoping this company is n't a large ponzi scheme, but that is how they are acting. Please help us! There are thousands of ppl waiting for bank wires, and thousands in XXXX waiting for XXXX transfers. There were no warnings on their site until days after I requested the money. The first warning said XXXX business day delay, and now it says XXXX business days delay. It is XXXX days later. I will never use this company again, and i strongly recommend others avoid them too. I am begging you for your help. Many ppl have said they have frozen their crypto transfers as well. Something very fishy is going on. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is reporting all my loans as past due. They refuse to correct it. My loans were in deferment for years. I consolidated the loans with another company in which I pay now. I have 4 loans, they are reporting 6 loans and all past due which is not correct. I have never been late on my loans. It has ruined my credit.

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 2017-10-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is reporting all my loans as past due. They refuse to correct it. My loans were in deferment for years. I consolidated the loans with another company in which I pay now. I have 4 loans, they are reporting 6 loans and all past due which is not correct. I have never been late on my loans. It has ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: VA
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:
Hello my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed immediately.

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 2022-10-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was looking over my credit report and noticed several inaccuracies throughout it. Several collection accounts which are inaccurately updating balances. I sent a dispute letter dated XX/XX/XXXX to all 3 credit bureaus, which are currently undergoing the dispute process. XXXX keeps updating this account from XXXX XXXX XXXX for {$400.00} without proper investigation. I have also sent a letter to this company separately demanding them to valid this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a serious problem and I have tried to get the attention of the data furnisher and have had no success, which is why I am now coming to TransUnion. 

I have attached a screenshot of the tradeline that needs to be removed from my credit report because it is over 7 years old. I went Bankrupt XX/XX/2005 and this item should not be on here. I also went through a divorce and do not hold ownership in this property that this loan is attached to. This is harming me in many ways and I am trying to refinance my current home so that I may get a new roof before winter hits in full force here in Michigan. 

I 'm respectfully requesting that TransUnion remove this out of date information from my credit report. It also belongs to my Ex-Husband and not me. 

This is causing me a lot of stress and I am also a XXXX XXXX XXXX XXXX here in Michigan. 

I AM ALSO REQUESTING NO PHONE CALLS, PLEASE COMMUNICATE BY MAIL ONLY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I deposited two mobile deposit checks both for under {$200.00}. I deposited a {$46.00} check and a {$140.00} check. They were drawn from XXXX XXXX XXXX cashed out from my 401k closed for leaving the company I was working for. The mobile deposit indicator did not tell me how long or why the checks would be on hold. I had some things go through which would have been covered if not for there uninformed extended two week hold on my deposits. Meanwhile Im racking up fees before I even had a chance to use the funds. They only refunded 1 overdraft fee. There are three. By the time they release the funds Ill have access to only {$10.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: OH
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXXXXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately.

3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments XXXX Account Number : XXXX I had no late payments made on this account. I paid this account as agreed

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 2018-01-12
Company: JPMORGAN CHASE & CO.
State: PA
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:
XXXX/JP Morgan Chase Bank shows on my XXXX  report with late shows and the loan was transferred by JP Morgan Chase Bank with out my consent or agreement or was not to my attention. I also did not agree or ask for no transfer in any way or ask. During transfer there was errors by JP Morgan Chase Bank on there part in which caused a lot of errors and I disputed to JP Morgan Chase and there was never any real reply to this issues. there was never documents provided to the issue nor any legal binding agreement to the issue when the disputes was filed. they never replied back as to XXXX never provided to me any legal documents showing any legal biding contract to terms and condition as stated by JP Morgan Chase Bank. 
XXXX has on my credit errors I want remove or I 'm going to have to pursue legal issues on XXXX/JP Morgan Chase Bank. 
There also seems like a bunch of fraud in the act with out any binding agreement to transfer and changes with out notices and the credit report reporting while in transfer and dispute to why with no answer by J P Morgan Bank nor ( XXXX ) as the original loan originator or what part they came in with out any notices or legal biding contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received an email upon waking up on XX/XX/XXXX stating my citibank online password has been changed. I did not do this so I called Citibank immediately. The automated system advised that the balance in my account was {$48.00} which I know was incorrect. Once I got someone on the phone I advised them that I received that email about my password being changed, which I did not do and I wanted to see what was going on. I spoke with XXXX from the fraud department, told her my account was hacked and accessed. She advised me that the people were able to make 3 XXXX transactions in the amounts of {$2000.00}, {$500.00} and {$580.00}. I'm not sure if this was done on XX/XX/XXXX or XX/XX/XXXX. 

This is a major hardship for me and my family. This is all the money we had. I'm not sure how I will pay for food, keep a roof over our heads if we don't get this back as soon as possible. 

I really need your help to get this rectified with Citibank. Thank you for your help. 

Sincerely, A very stressed out Momma.

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