BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-12
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 I purchased two pieces of furniture and the service to have them assembled and installed. In the course of installation the technician caused intentional and extension damage to the wood floor of the bedroom where the work took place. It was apparently out of frustration for having to work alone on the day in question, whereas he typically has an assistant to support. The cost of replacing the wood floor exceeds the value of the furniture and services purchased. The merchant was unhelpful and refused to acknowledge the behavior of their employee. I disputed the charge with my credit card provider in order to recover the funds and use them towards the replacement of the wood flooring. The credit card provider, Chase Bank, concluded in favor of the merchant without performing a proper investigation. On XX/XX/2019 Chase informed that they had completed the 'investigation ' and determined that the charge was valid because " We can't confirm you're due a credit because we don't have a 2nd opinion letter from a different merchant showing how much it would cost to repair your damaged wood flooring. '' Chase had never requested such information in the course of the 'investigation '. I called Chase to inform the Disputes Department of that fact, and I was told that the case would be re-opened so that a proper investigation be performed. Subsequently, on XX/XX/2019 I received a letter stating once again that the investigation had been concluded, but the reason had simply been adjusted to remove the claim of 'missing information ' that had never been sought. ( All relevant letters are attached to this statement. ) This is highly concerning that a major credit card provider is feigning the handling of dispute investigations and finding in favor of retailers without seeking the necessary facts from the consumer. I have made repeated requests to Chase to re-open the dispute and receive the information needed to make a reasoned judgement. Chase has refused to do so, and does not appear prepared to receive information on the consumer side of a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
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: Account status incorrect

Complaint:
This account is about my child support payment to the Texas OAG office. The account balance and the reported payments are always reported wrong to all the credit reporting agencies. 

Since XX/XX/XXXX, I had been awarded and receiving a monthly social security survivor benefits in the amount of {$1300.00}, to which the Texas OAG attached a lien and had since been collecting one third of my benefits every month in the amount of {$450.00}. The OAG office collects this amount from my survivor benefits promptly without fail. Also in XX/XX/XXXX I settled an auto insurance claim for about {$13000.00}, and between the lawyers, the hospital bills and the rest of the other medical bills, the OAG got {$5900.00} of the settlement, and the rest went to the attorneys and the rest to the medical providers to settle the medical bills. Not a penny for went me. I do n't have a problem with the OAG taking the money for my child 's support, what I have a problem with is the reporting errors. 

For instance, my total monthly child support payment is {$340.00}, of which {$220.00} is for the chaild 's support, {$75.00} for the child 's medical, and {$100.00} to go towards reducing the arrears, which as of XX/XX/XXXX before the social security survivor benefits I started receiving my benefits my arrears was then at a little over {$10000.00}. But as I already indicated, the OAG office is actually {$450.00} from my benefits. Yet for the past 10 months, my credit consumer report is showing zero payment into the account, it shows that no payment has been made on the account for almost a year, that has always been past due for 30, 60, 90 days, and that is just not true. I have all the documents to prove it if requested. As of today when l checked the account balance, it shows that the account is past due 8 months, and the remaining balance does not accurately reflect the arrears balance.

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 2022-03-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Please acknowledge attachment that was MAILED AND UPLOADED TO EXPERIAN UPLOAD ON XXXX/XXXX/2022

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 2020-04-26
Company: ALLY FINANCIAL INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Ally told us they needed just 30 days to close on a mortgage, and we applied with nearly 2 months notice. They gave us over 50 online tasks with not a single phone call or communication other than automated emails to go to their portal and complete. We did this as instructed. Despite our prompt responses, they continued to ask for duplicate documents and irrelevant information. Our final approval was supposed to be nearly a week before closing ; it is now Saturday night before our Monday closing and they are still asking us for documents. They are also providing inaccurate financial information and waiting until the last possible minute for multiple requests, which has now put our closing date in jeopardy. The absolute worst and most impotent mortgage experience I have ever witnessed. A delayed closing will not cost us forfeited moving deposits, an entire extra month of rent at our apartment which the lease is due to expire on ... .buyer beware with Ally. Minimal communication and incompetent underwriters. BUYER BEWARE - they are not worth the additional $ XXXX in closing cost credits that was the reason we chose them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX Applied for credit on Fordcredit.com to finance a vehicle through Ford Credit. 
XX/XX/XXXX At the Ford Dealership in XXXX, they should have been able to pull the original approved application from Fordcredit.com. Instead they pulled my credit on their own, even after I made sure to tell them multiple times that I didn't want my credit to be pulled again. I also did not sign any consent to my credit to be pulled by the dealership. 
XX/XX/XXXX Asked the dealership why my credit was pulled. They said because I authorized Ford Credit, they could do so as well. They said they would not request the inquiry be deleted from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 learned through my credit monitoring company that XXXX XXXX pulled a credit report without my permission with all three credit bureaus on XX/XX/2021.

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 2022-02-18
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Contacted Vanderbilt Mortgage and Finance , Inc. on XX/XX/2022. I asked for a one month extension on my home mortgage. The representative that handle my account asked me why I needed to extension and was I still working. I answered her questions as to why I needed this extension : My son had purchased a mobile home and needed some financial assistance to have his utilities turned on. 

She asked me how much it cost and I told her {$2000.00} and explained what it would take to get everything turned on for my son. She would put me on hold and come back with more questions. I asked her if it was a problem with my request, she said that I could only get one extension per year and they wanted to make sure that if I had a hardship later ; I would not qualify. 

After of all of her questions, her supervisor came on the phone and continued to question me as to why it cost so much to have his utilities turned on. I explained to him that we live in the rural area it costs more because the water meter had to be ran from across a highway in order to bring the water to his property. The supervisor apparently had issues believing my situation. He said my son was grow and he needed to handle his own financial situation. And that I was still responsible for paying my XX/XX/XXXX mortgage in the amount of {$630.00} During the conversation I indicated to the representative that I could pay XXXX and XXXX during the XXXX payment. But those individuals did not care about my request. 

As you can see, I only needed one extension. What is the reason a customer calls their mortgage company before the note is due, requesting assistance but they don't have any moral values about the customer needs.

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: JPMORGAN CHASE & CO.
State: IL
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:
Hello, I am currently traveling out of the country in XXXX & kept my Chase Sapphire Preferred Card for this trip specifically given it doesnt charge any foreign transaction fees. However, doesnt seem to be a true statement as the math doesnt add up unless they build the fee into the transaction! For example, I charged an {$11.00} AUD transaction at approximately XXXX this morning, which after 5 minutes/upon arrival of the email confirmation ( set up for all international charges on this card ), I checked the conversion rate & it said the transaction should total {$8.00}, but the charge on my account reflected {$8.00}.  HIGHER than what it should have been, and although not by much, seeing as how Im making several purchases each day for the 3 weeks I am here, and the transactions leading up to this trip, it is a material amount! I was told no foreign transaction fees which I felt the potential annual fee might then be worth it, only to be deceived and them tack it on behind the curtain! Extremely unfair and extremely misleading when the math is not matching and no explanation is given. I reached out to chase support and they only gave a vague explanation and when I gave this exact/specific detail, all communication went silent!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TrueAccord Corp.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received multiple email from an individual by the name or XXXX XXXX from TrueAcord claiming that I owe a debt from XXXX  XXXXXXXX XXXX I have never had a credit card or any other debt to that company. It also states on the email that they can no longer sue based on the date of that debt. 

I believe its a scam because when I researched that company and its affiliated XXXX XXXX theres many people complaining that they are being contacted for debt that is not theirs. 

Their phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/2020, I received a call from XXXX XXXX XXXX XXXX XXXX XXXX. The Agent told me that I have a balance of around {$78.00} on the card. I was surprised about the balance, because I cleared all the balance long time ago and I havent made any purchases on the card in 2020. I strongly believe that Im not responsible for any of these transactions : 1. Without my authorization, it charged membership fee on the credit card for {$19.00} on XX/XX/2020 2. I was not aware of the membership fees, late fees, interests until today. I was in XXXX and theres no access to XXXX between XXXX and XXXX I called them twice this morning and asked for refund, but they told me they would only refund me a late fee of {$35.00} only if I agree to pay the remaining. I thought its super unfair and disagreed. Below is a screenshot of the fees charged without my awareness and authorization : Date XX/XX/2020 Minimum Interest Charge {$2.00} XX/XX/2020 Late Fee {$35.00} XX/XX/2020 Minimum Interest Charge {$2.00} XX/XX/2020 Late Fee {$19.00} XX/XX/2020 XXXX Purchase {$19.00} Total {$78.00} So, it is so unfair to me that Im named to pay for those unaware and unauthorized transactions, including the membership fees, late fees, and interests. I have been maintaining a very good credit score for years, and I always pay loans, credit card bills on-time. I hope you could help me resolve this issue fairly. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Union Credit Corporation
State: GA
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:
Hey, you are not taking this seriously. I sent multiple disputes in regards to these issue. Don't force me to believe that your report is accurate. Technically, the report is incomplete and unverifiable. I gave you enough time to prepare all the documents to prove this on me but you've failed. You are now demandedby the law to remove this inaccuracy from myb credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX XXXX engages in fraudulent practices. The law firm will send " notices '' to dated addresses as " proof '' of service. In addition to tacking on legal fees and filing within incorrect counties and then amending the errors such as filing dates, names, addresses AFTER a judgment has been filed with the California Courts. Consumers are not given the ability to dispute the validity of a debt prior to suffering punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: American First Finance, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I don't know if these practices are legal, per say, but I wanted to make someone aware. I made a purchase from XXXX XXXX XXXX XXXX in XXXX XXXX, CT. They outsource their financing " promotion '' through American First Finance and that is the company I am complaining about. The offer was to purchase a mattress with no payments for 60 days and no interest for the first 6 months. It wasnt until after signing up did we find out there was a {$50.00} early payoff fee ( on top of the {$50.00} for applying for this service ). When going online to make payments, there was no easy option to do so. They do not let you remove or edit your account information ; only add new accounts. They also had prescheduled payments through the end of the year ( XX/XX/XXXX ) without my permission, to be automatically debited from my account. This would put me way past the 6 month " no interest '' time frame, and I had not option to change or remove. I made a {$75.00} payment on XX/XX/XXXX and the website gave the option of counting towards your next scheduled payment or not. I chose to count towards my next scheduled payment and the website populated a next auto-debit date of XX/XX/XXXX ( {$24.00} ). They then debited my checking account on XX/XX/XXXX without my permission. Attempts to rectify with them were useless. I decided to just pay off the remaining {$160.00} balance and any fees. They accepted my payoff, deactivated my online account immediately ( not sure why ) and then emailed a reciept of payoff. Two days later they debited a different account that was used in determining my credit qualifications, over {$500.00}. I called and they confirmed they debited in error and do not know where this amount came from since my balance was only {$160.00}. They said they would return the funds in 7-10 business days. In the meantime, my account is incurring late fees. This is the worst finance company I have ever dealt with and I am concerned that they still have my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: EQUIFAX, INC.
State: WA
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 am disputing violations by Equifax misreporting information. I never been notified by mail account closed and its inaccurate. Also XXXX XXXX XXXX account I do not have a contract with. I was never given anything proven debts validated which is required by law. I am enforcing my rights 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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, XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
I dispute all unverifiable transactions contained in Summary File Disclosure, Consumer ID : XXXX prepared on XXXX/XXXX/XXXX by XXXX XXXX summary disclosure. 

As the Secured Party Creditor, and the holder of the XXXX XXXX interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the XXXX XXXX for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the  debt, including all interest and fees, XXXX. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a  copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a  Certified and True Copy of the original signed agreement or application. 

Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have sent a dispute letter to this third party collection agency Phoenix twice, once on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX and they have yet to respond to me. I paid this medical bill in the amount of {$200.00} way before it was sent to there office for collections. I sent them documentation supporting my payment and have yet to receive a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: PNC Bank N.A.
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: Information belongs to someone else

Complaint:
I dispute all the information contained in Summary File Disclosure, Consumer ID : XXXX prepared on XX/XX/2017. I request to receive a comprehensive report of all updated verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
I dispute all the information contained in Summary File Disclosure, Consumer ID : XXXX prepared on XX/XX/2017. I request to receive a comprehensive report of all updated verifiable information.

Company response to consumer: Closed with explanation