BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase bank has charged me XXXX late and insufficient fees for about a year between XXXX accounts. 99 % of these are there fault due to the Atm drive thru being either not able to accept cash, down, or being fixed on. This happens about 2-4 times a week? Also a few times they have had a complete outage where none of the machines were working. The problem is they blame you if you can not deposit? 
When I asked when you have $ in the account why not take it for all the smaller checks that you know can be paid instead of running the biggest check first or the last check through. I was told it 's up to their discretion how they handle my XXXX They can wait if they want. I was like this is crazy??? Then I sought legal advice. I was told I needed a copy to see how many I had? I did n't know it was this many! I am a very small start up and can not afford for them to make me lose my home or mind. Last week my son had to go to have emergency and I did write a few checks at least 4-5. Now I was at the hospital for a couple of days so unaware of what was going on. I bought food at the hospital and looked at my account. I was in the negative? How could I be there was at least {$900.00} in the account. Well they did n't run the checks through that they received first which were smaller. They ran the last check which came in on the last day for over {$1000.00}. Then ran the smaller checks through so they could hit me with XXXX fees in a weeks time. Honestly I just broke down and cried from the hospital but I had to be strong for my son. So I called the bank and asked for the mgr. named XXXX. Well he said I can do anymore refunds after the last one! I was like the last one? You mean the one where there was an outage and I could n't deposit any money? How is that my fault if your machines were down? I was under the impression that they removed the fees asscociated with any and all from the atm machines being down etc ... .This is applies to the personal account as well. Same practices! I trusted them! The other account is in the negative {$430.00} for the same reasons! These totals do n't include the {$15.00} overdraft fees as well. I literally begged for them to not do this to me because they know my families situation. The bank mgr. XXXX gave me the run around to call the XXXX number. The XXXX told me that is not correct he must credit the account. No one takes responsibility. The insult to injury is I was told THERE IS NO DOCUMENTATION OF ANY OUTAGE, ATM DRIVE THRU BEING DOWN ETC .... I was so mad I just felt like nothing. They could do this to me? I did n't know how many times until now. It 's easy for them to know them but they know I have no proof. Well I am standing up I earned my money and I want it back. This is just wrong! We are a small business and these practices are literally putting us out of business!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-16
Company: ACIMA CREDIT, LLC
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 information incorrect

Complaint:
My account was marked 30 days past due XX/XX/XXXX for XXXX which was in accurate I tried to speak with the agent about it and they were rude saying I owed {$250.00} XX/XX/XXXX I paid {$350.00} the full amount they can I was past due including the late fee they added because I just wanted my account corrected per the agent they would correct my account once I made a payment. XX/XX/XXXX I requested the payment he updated with the bureau they marked it another 30 days late for XX/XX/XXXX how can that be possible when make payment if I paid what they claim what past due and my payment for XXXX was dated to come out the same date I requested they update the XXXX payment this company is violating my laws and practice been reporting habits

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: AMERICAN HONDA FINANCE CORP
State: IL
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:
On XX/XX/XXXX I traded my XXXX XXXX XXXX for a XXXX XXXX at an authorized XXXX dealership. Upon the trade the dealership was suppose to pay off my old car. My financing company for the XXXX began calling me about late payments which confused me because the car should have been paid off in full by my new financing company. I was in full communication with both companies for weeks about this error and was assured this should not affect my credit. The new financing company corrected their error and paid the car off but not before negative reports were made on my credit report. The new financing company made a big mistake when it came to my trade. I was in full communication and cooperation with both companies and feel there was nothing I could have done differently so the negative report and credit scoXXXX reduction should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received this certified foreclosure notice last weekend pushed under my door and being notified that the foreclosure will take place the end of this month. As you can see, the foreclosure notice was dated XXXX XXXX and yet I found it under my door ( partially opened ) on XXXX. I did not sign for this certified mail and XXXX Bank and Wells Fargo did not let me explore ALL the loss mitigation options. I had suffered financial hardships including my sick mother who finally succumbed to a XXXX XXXX years ago and then my wife who had XXXX XXXX and that XXXX went into XXXX. Despite my efforts to try catching up for the late payments, Wells Fargo asked me over the telephone in XXXX 2015 to stop making payments until I pay up all the overdue payments. I asked the staff who told me to put the request in writing but never did. Wells Fargo staff would give you a run-around and blame everything on the investor, the XXXX Bank.

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 2021-01-16
Company: Experian Information Solutions Inc.
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:
Hi, I cant access my credit file. 

Unfortunately, like many other people who come from disadvantaged backgrounds like myself, with out the means of financial education on interest and time. I incurred some pay day loans to get out of an abusive living situation. 
I know through my personal desperation, I probably put my information at risk. Now two years later I have settled all of my pay day loans. ( bar one new one ). On multiple times when checking my credit report, I havent been able to access, with security questions about having a mortgage which I clearly do not have. A few months ago I was contacted by creditor, on a dispute where someone had used my Information for the wrong address, incurring debt passed on to a debt advisor. I was told because it was not me they could give me any more information, or discuss the matter further. I am keen to improve my life, and credit score and want to make sure all my information is correct so I can take the correct procedures to improve my score

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 2015-10-14
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am in the middle of a Debt Settlement program. I have explained this to One Main Financial. They have called my work and left messages. I ma a teacher and unable to accept calls at my work. I am aware of the debt and it will be paid, however, my company XXXX will take care of this. They are harassing me and I am frustrated with their tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I was contacted by XXXX XXXX ; phone number ; ( XXXX ) XXXX through messenger. He pretended that he was a high classmate and from there, he mentioned about XXXX XXXX XXXX XXXX run by XXXX XXXX XXXX XXXX ) XXXX. XXXX, told me that this XXXX XXXX help him with his hospital bills due to his XXXX problem. I contacted XXXX and he mentioned that the program is legit and if I sent the money right away I will have the money in 48 hours. At around, XXXX XXXX I went to my bank ; Wells Fargo Branch at XXXX and spoke to XXXX XXXX and I told him that I want a wire transfer of {$30000.00}. He wire transfer the money to XXXX XXXX XXXX and routing number of XXXX. At XXXX XXXX, I call the Wells Fargo customer services and I told them that I was scammed by XXXX XXXX. The banker representative told me that they could not stop the wire transfer because it happened at XXXX XXXX. They gave a case number of XXXX. Today, XX/XX/2022, they told me that the case was close due to not enough evidence.

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 2022-10-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : - ; XXXX XXXX Inquired XXXX XX/XX/2022 ; XXXX  Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a notice from this company saying I owe a debt to " XXXX '' an electric provider. The problem isXXXX is the original creditor, yet : XXXX is on my credit report for this as well as " XXXX ''. I have filed a complaint against " XXXX '' for not removing themselves from my credit report when they sold the debt to XXXX in XXXX. Now here is another agency trying to collect the same debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16
Company: Self Financial Inc.
State: MA
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:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Minnesota Court File No. XXXX Midland Funding LLC as successor in interest to XXXX vs XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX Case Type : Default Judgment Location : XXXX Debtor ( s ) XXXX, XXXX XXXX aka XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Creditor ( s ) Midland Funding LLC as successor in interest to XXXX Entered Date : XX/XX/XXXX Docketed : XX/XX/XXXX XXXX Orig. Amount : {$1300.00} Curr. Principal : {$1300.00} Judicial Officer : XXXX, XXXX XXXX. 
Type : Judgment Status : Active I have never been contacted by Midland Funding or the original creditor XXXX before, until I just received a garnishment summons that threatens to garnish my savings account. 

After receiving this summons, I discovered a judgement was entered for this debt XX/XX/XXXX in XXXX County, Minnesota. I never received notice that a judgement was pending in my name, nor any debt collection letters or phone calls regarding this prior to the judgement, or after, until this garnishment letter now, or I would have disputed it. It is not my debt. 

I contacted XXXX XXXX XXXX XXXX, the attorneys for Midland Funding, and was told this was a credit card debt with the original creditor being XXXX, with a principal balance of {$1300.00}, and issued under my maiden name XXXX. They are now seeking an unpaid balance of {$1900.00}. 

I have never applied for, obtained or received a credit card from XXXX. In fact, I have never even had a credit card with a limit higher than {$300.00} in my name ever. The only credit cards I have ever owned are from XXXX XXXX and XXXX. I also have not lived in the county of issuance ( XXXX County ) since XX/XX/XXXX, nor have I used my maiden name ( XXXX ) since I was married in XX/XX/XXXX XXXX my last name is XXXX ). 

Neither Midland Funding or XXXX XXXX XXXX XXXX will supply me with any further details relating to this debt for a possible identity theft investigation. In fact, they will not even supply proof that the debt belongs to me. They may have mistook my identity for another person who actually owns this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-16
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Payoff process

Complaint:
American Express had closed my account. It was sent to XXXX to handle my payment plan that started in XX/XX/XXXX and to end in a year, XX/XX/XXXX. Successful payments were made. For reasons unknown to me, and after calling on XXXX different occasions, I discovered that American Express contacted XXXX on XXXX XXXX to take my account back were they then sent it to collections. No one can tell me why this has happened since all of my payments since XXXX are current. American Express says they can not they me what happened though they are the ones that authorized the account to be returned to them and they all just refer me to the credit collectors. 
The credit collectors have no explanation except to say that American Express sent the account to them. This is means that American Express does know why and are lying to me, the consumer, when they say they do n't know. American Express violated the terms of my agreement with XXXX and made no effort to contact me when they sent it to another collection agency. American Express blamed it on the " system '' automatically sending it to collections although I was already working with another collection agency and had made successful payments with them. 
I just want to know why I was sent to another collection agency when I was already working with XXXX that was successfully withdrawing the agreed upon amount for six months to only have American Express violate the agreement I had.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
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: Personal information incorrect

Complaint:
I pulled my report and I noticed an address I never seen before this address below is not mines XXXX XXXX XXXX Fl XXXX Also I noticed an Employer I never heard or work for before I stated the employer below XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: EQUIFAX, INC.
State: NJ
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:
I reached out to XXXX  and XXXX  several times via certified mail, with proof, that the XXXX XXXX account on my credit report was reporting inaccurate information XXXX last payment, past due balance, late payment time ). Nothing was done and they kept claiming the information was accurate. 

Date of last reported is later on Equifax than XXXX. Yet, the past due is lower, " date of last payment '' is wrong, Additionally, the State of New Jersey asked these type of lenders to waive late fees, defer and skip payments, as well as delaying delinquency notices. XXXX XXXX refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 got a alert on my Transunion credit report that a new inquiry from XXXX was on there. I dont have a license and I dont have any business with XXXX this is fraudulent please remove from my inquiries on my credit report

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 2021-01-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

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 2022-03-28
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/XXXX I opened a credit card with XXXX via Comenity Capital Bank. My interest rate was 25.74 % and I had a credit limit of almost {$700.00}. I paid my bill on time every month and had no problems until XX/XX/XXXX when I missed my due date by a few days and was charged a late fee. I made a payment, called to have the late fee reversed ( it was ), and went on paying my bill on time from that moment forward. Around this time period Comenity Capital sent out notices about how to save on interest by paying the full amount due within 25 days of the billing statement and this information was also reflected on the XX/XX/XXXX billing statement. WHAT WAS NOT mentioned was that I would have to pay TWO SEPARATE APR 's of 25.74 % - one applied to my balance for all charges prior to XX/XX/XXXX, and the other applied to the balance of all my charges after XX/XX/XXXX. Given that this was never mentioned in any correspondence I received from Comenity Capital, I did not notice until XXXX of this year that I had been paying two APR 's for the past 12 months. I have contacted Comenity Capital on three occasions ( twice via email and once via telephone call ) to resolve this matter/receive more information about it and twice I was told to consult my billing statement for information - which doesn't explain anything which is why I'm contacted Comenity to begin with, and the third time when I finally called I realized that once again I was going to receive a scripted response so I asked to speak with a Stateside customer service representative ... .I was transferred then hung up on. I want to know why I was being assessed two APR 's and why is Comenity so reticent to clarify this situation?

Company response to consumer: Closed with non-monetary relief