BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-21
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The date of transactions was XXXX for {$90.00} for a spoof company that isn't a real company and XXXX has no knowledge of them. the company is claiming to be called XXXX XXXX XXXX XXXX XXXX plan. I ended up needing to use it and the number I called said they didn't have any record of me in their system and they will call me back in 24-48 hours. In under 1-2 minutes they called me back saying they found me but needed to update my information. I found that suspicious and called XXXX support. The agent told me they get calls about this all the time and they are not a warranty company for XXXX. I was given a temporary credit after talking to bnymellon and many weeks later the temporary payment was taken back. Still to this day I have received nothing. XXXX XXXX which will not return my phone calls claims a letter was sent out on XX/XX/21 which isn't true because I can track all incoming mail by photocopy. I have left voicemail after voicemail she will not return my calls. The day I voice concern about the credit being returned she wrote up an unofficial and almost looks fake paper she states that was sent to me but you can tell it's not official. She even saved the file the day she wrote it out. So the paper was not scanned she wrote it up and sent it to me. I will be including the paper she wrote up on her computer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 nor XXXX XXXX XXXX never contacted me regarding my collection account. In fact, earlier this year I had a collection account deleted due to them not verifying specific information related to the collection account. So, you can see that I was shocked to find another collection account placed on my account without me receiving any information. XXXX XXXX XXXX contacted me on two different occasions, however, after I asked who they were they hung up the phone on me not stating the reason for the call. As you can see in the attached documents they had my wrong address even though before I left the complex I gave them my forwarding address. In addition, when I left I did not receive a walk-through of my apartment, so, therefore, how do I know that these charges are accurate? Since this collection came on my report a few months ago I have moved again and I still have not received any correspondence from them as well as XXXX XXXX for the accuracy of this report. It has been 1 year since I moved from there, and I am trying to figure out how they can place this on my account without any accurate information. I demand this inaccuracy to be removed from my report and to notify XXXX XXXX XXXX and XXXX XXXX of their discrepancies.

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 2017-11-20
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I received a credit report attributed to me ( my credit report ) from XXXX and Experian. The gross errors are alarming together with the facts that I am falsely accused of an address I never had ; a bank account at a bank I never had an account ; a spouse listed which I never had ; a middle initial I never had ; a similar name to mine which belongs to someone else and has the same middle initial but a different middle name ; and the list goes on. It keeps listing a student loan outstanding. I never, ever even had a student loan or used one. And the list goes on.

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 2019-06-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery collection service calls upwards of 15-20 calls per day. 9 ( Nine ) times I have asked for them to not call me anymore and have blocked 22 of their numbers after asking the first time. I was told on the last I demanded them to stop calling Too bad, pay or Ill be calling you back in an hour.

In fact, I just got that call back typing this ...

I was encouraged by counsel, not retained only inquiring for relief, to contact you about this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-04
Company: Experian Information Solutions Inc.
State: MI
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 just got my updated annual credit report and there was a credit pull from XXXX XXXX in May of 2018 that I didn't authorize. I called the XXXX XXXX number on the credit report from Experian and they said they had limited ability to see my credit report. the lady kept saying it was a hold on my credit and I said, " No, it was a hard inquiry into my credit. '' She said that the department I called couldn't do anything. 
I called Experian then and they said I had to call the company. I told them that I had and they were no help. He said there was nothing he could do. Someone has to be able to do something.

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 2018-11-01
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XX/XX/XXXX : I was able to pay a pass due amount of {$69.00} but the monthly payment of {$130.00} is not doable since I am paying other private loans through them monthly of {$260.00} which soon will increase in XX/XX/XXXX. This amount is drafted every month on the XX/XX/XXXX. I would be paying close to {$400.00} a month, money I don't have after all my bills are paid. I tried to speak to them if they were able to place the loan under the same low-reduction program but they stated they could because of the type of loan. I asked them what type of loan it was and the rep stated it was a class loan. I told her I was never told of a class loan when I was being helped by the financial staff at the school. All they stated was I will be getting Private loans and Federal loans. Very general terminology of what the loans where. The rep in turn stated pretty much they didn't have to place me in any type of program when it came to private loans, they can just terminate the program period. I told her, all I was trying to do was to be able to pay my loans and be in good standing. I am trying to avoid non-payments because I cant pay all they are asking of me. I want to come to a middle ground with them where we both benefit from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX CARD PROVISIONAL CREDIT XXXX {$2.00} XX/XX/XXXX CARD PROVISIONAL CREDIT XXXX {$180.00} XX/XX/XXXX CARD PROVISIONAL CREDIT XXXX {$140.00} Wells Fargo Bank is engaging in account fraud by moving funds from my accounts to other clients business accounts and claiming it to be debit card fraud activity so that they can issue a new card. I called them out and they have retaliated to my claims by sending nine envelopes of the same letter stating reversal of the funds, They engage in this activity immediately after I activate a new card so that I must make a claim and loose the ability to use current card thus needing a replacement. they have now attached my wife 's account in the same manner for me being honest about my suspicions. They currently will not issue me a new card so that I can not preform online transactions. The Bank holds the peoples money, We are the bank, they are engaging in fraud. Please help me! They treat me as if I have no rights or power in regard to this on going scandal. 

Wells Fargo account fraud scandal The company faces additional civil and criminal suits reaching an estimated {$2.00} XXXX by the end of XXXX. The creation of these fake accounts continues to have legal and financial ramifications for Wells Fargo and former bank executives as of early 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 2018-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/18, I submitted a request to remove inquiries on my credit report that I didn't recognize. Instead TransUnion investigated 3 of my accounts ( re : report # XXXX ).

XXXX ( report # XXXX ) did something very similar to TransUnion. The errors these companies make are epic in scope. Someone should look into this seriously. Please remove the inquires from my credit report since you are now in violation of the FCRA. I mailed the same request, so it is not additional info it is the same issue ...

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 2018-01-30
Company: Bay Area Receivables, Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi I requested Proof of Validation of Debt XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have not received this was sent certified mail and they did sign for the documents that I sent.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: EQUIFAX, INC.
State: MS
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 notice inaccurate and incomplete items on my account from XXXX, EQUIFAX, AND XXXX  and sent them dispute letters regarding the negative items they are reporting on XXXX.i haven't gotten any response thus far with those companies and i also attached copies of the letters below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2019, I opened a checking account XXXX with Wells Fargo bank based on its online offer " Set up direct deposit and receive a cumulative monthly total of {$3000.00} in qualifying direct deposits into your new account for 3 consecutive months. '' And then " Your {$400.00} bonus will be deposited into your new Everyday Checking account within 45 days after eligibility and bonus requirements have been met. '' I called its customer care on XX/XX/2019 ( Ms. XXXX ), XX/XX/2019, XX/XX/2019 ( Ms. XXXX, Ms. XXXX ). They confirmed that 1. The {$3000.00} is the total of 3 consecutive months, not each month ; 2. The 3 deposits of {$500.00}, {$500.00}, {$2000.00} made on my account are qualified direct deposits ; 3. The requirement for the bonus was met and I would receive the {$400.00} bonus in XXXX of 2019. 
However, on XX/XX/2019, Wells Fargo said that the requirement is not met and hence no bonus. 

( The names of the above representatives is not accurate as they were my guess based on phone voice heard. However, as they said that all calls are recorded, the voice recording can be used to verify that what I said above is true )

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 2019-09-04
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 fraud alerts or security freezes

Complaint:
Since XX/XX/2019, I have been trying to freeze my credit report and obtain a copy of my credit report. I have called every week for several weeks and have attempted to order my credit report by phone, as well as two attempts to obtain my credit report and ask for a credit freeze online. None of my attempts have been successful, no one has contacted me regarding my requests, no credit reports have been sent to me, and no credit freeze has been initiated or verified that one is being processed. I would like a full credit freeze on XXXX, Experian, and XXXX, as well as a comprehensive credit report from all three credit reporting agencies and I would like your help in obtaining these requests.

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 2022-01-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. I did not approve it to reflect on my credit report. I believe I am a victim of identity theft. I have a security lock on my credit report and was not informed or alerted of this unauthorized items. 
I have reported the theft of my identity theft to Federal Trade Commission 's, please review the enclosed copies of the Federal Trade Commission 's identity theft Affidavit in regard to this incident ( ftc report # XXXX ). In addition I have attached pdf document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. These items are fraudulent and they have devastatingly impacted my relationships with creditors.

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 2021-10-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
A Tenant sent me funds through Chase Bank using their XXXX App. The tenant accidentally sent 2 payments. When I tried to refund the payment from Chase using the XXXX App, Chase Bank cancelled the payment as they thought it was fraudulent. I completely understand their position to protect my account. The problem arose when I followed Chase Bank 's instructions to verify my identity online and resubmit the payment. I followed the instructions provided by Chase Bank and sent the payment again. I then received another email telling me the payment was canceled for a second time. This time I was instructed by Chase Bank to call them which I did. I jumped through all of the hoops and answered some very invasive questions at which time they verified my identity and verified that I initiated and requested the payment to the Tenant be made. Chase cleared the fraudulent status of my account and I made the payment to the Tenant for a third time. The next day, Chase not only canceled the payment again, they froze my account so I could not have access to my funds. I was instructed to call Chase again, which I did. Once again I was asked to verify my identity and was questioned again with very invasive questions. When I did not provide the answer that the Representative found acceptable, I was denied the ability to use the XXXX App to make payment to the Tenant. I asked to speak with Supervisor to no avail. As of this writing I am not allowed to send the funds to my Tenant as Chase Bank has blocked the recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have closed two secured Capital One Platinum Mastercards due to poor customer service i.e. locking me out of my accounts for 24 hours without any explanation. The accounts in reference are : account ending in XXXX and, account ending in XXXX. I have not received my two {$99.00} security deposits totaling {$190.00} back from the company, nor have I received any notification as to how, when, or even if the deposits will be returned. 

Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Byrider Franchising, LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I traded this car in in XX/XX/2015. Ive asked them to remove it off my credit report numerous times. JBByrider told me that they did remove off my credit report said the debt is paid and I dont owe them. But every month they add some new comment to my account. I would like this off my credit report because it is messing with my score and showing up as a negative item.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX and XXXX Credit bureaus were not able to verify this information but refused to remove it from my credit report. This account has been removed from XXXX. I am asking for this account to be removed from XXXX and XXXX. I thought they only had 30 days to verify if the information is valid and correct. Here is a screenshot of account. Thanks for your help in this matter..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2018, I received a credit denial letter in the mail from Chase after I had been approved for the mortgage loan and in Escrow for a home. At escrow closing, I heard nothing from Chase or my loan adviser, XXXX XXXX, who became increasingly difficult to get hold of during this time. We needed to file for an extension so the underwriters could start doing what they should have already been doing. Finally, when the credit denial came in the mail, I asked that my {$500.00} good faith funds be returned to me, as it states in the mortgage contract should happen. I have been calling and emailing my loan adviser, XXXX XXXX, her supervisor and Chase customer service since the credit denial was issued, and I have been given the run-around for over 6 months being told different things. If I wasn't completely ignored, then I was being told Chase would send me the check within 10 days or that they still needed my address ( I have given it to them 3 times as requested ), or that they are waiting for an approval or have to refile for it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
all 3 burean lowerd my credit score by iccorrectly reporting information that incorrect. Im icluding my drivers license, ssn and supporting documents. I believe because Im from another country. When I called the nade fun of my accient as if they didnt hear the words coming out my mouth

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 2021-10-21
Company: Aqua Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
According to the Servicemembers civil relief act Your lender cant add the amount of interest above 6 percent back into the loan later on after you leave XXXX XXXX. My lender supposedly changed my interest to 6 % but it shows on my bill that its 9.9. I contacted them again and they managed to respond in a reasonable time stating that the orders I provided them only gave them the option to change my interest rate to 6 % for a limited time and date. Even though I confirmed with them through email that it should be for the remainder of my bill.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation