BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
My wallet and phone were stolen from me on the night of XX/XX/XXXX at an event in XXXX XXXX. I reported 3 credit cards stolen the next day and disputed several unauthorized charges and those charges were all reversed. For one of the stolen cards ( Chase Amazon XXXX Visa ), I later received a letter saying the dispute had been investigated and they had determined that the disputed charges on that card ( two at a bar near where the theft occurred and one at XXXX ) were valid, and I was responsible for them. I called and they told me that they had determined that since the charges had been made in person and not online they were therefore valid. I explained again that the physical card had been stolen and not used by me, and filed another dispute, which was again dismissed. Finally, in a third dispute I provided police reports of the theft and insurance claim made for the stolen phone as supporting evidence, and again received a letter that my claim had been " thoroughly investigated '' and the transactions were still deemed valid, and that I was therefore responsible to pay for those charges. I have held this card for 15 years and the amount in dispute is {$410.00}. I have witnesses that my wallet was stolen and I reported the cards stolen to the credit card company the next day. I did not make or authorize the charges in question, and will so testify under penalty of perjury. I understand that under the law and my cardholder agreement I am not liable for unauthorized charges. However Chase 's Fraud Department, without explanation or discussion, refuses to uphold this agreement and to reverse the unauthorized charges in question.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-29
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Someone hacked into my Suntrust bank account and performed the following actions : On XX/XX/2020, used XXXX to transfer {$450.00} to XXXX XXXX On XX/XX/2020, used XXXX to transfer {$450.00} to XXXX XXXX On XX/XX/2020, used XXXX to transfer {$470.00} to XXXX XXXX I did not authorize any of these transactions or was aware of it until XX/XX/2020. I checked my account and noticed the unusual transfers. I immediately contacted Suntrust Bank Fraud center to report the issue. The representative gave me a case number and told me to check back on XX/XX/2020. She also told me that Suntrust will credit the lost money to me during that investigation period. However, I never received any credit from Suntrust. 

On XX/XX/2020, I contacted Suntrust regarding the case. I was simply told that the case was denied due to " Inconsistency ''. I asked for clarification and the representative said that he can not explain anything further than what the investigator reported. He also said that " I need to be able to prove that I was hacked in order for them to continue with the investigation '', and " without additional evidence from my end, the case will be closed and can not be reopened '', and hung up on me. I called back and spoke to another representative and was told the same thing. This representative however told me that he will send me an email to fill out the appeal form to have the investigators look at my case again. I waited till the next day and did not receive any email so I contacted Suntrust again. This was on Saturday XX/XX/2020. Another representative told me that Suntrust will send the form to me via mail instead of email. I have waited until today ( XX/XX/2020 ) and checked the mail every day but no form was delivered. 

Please take a look at this case and let me know if theres any additional information I can provide to support my case. I just really dont know how to prove that I was hacked. 

Thank you very much for you help.

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 2015-07-08
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We were effected by XXXX XXXX and XXXX offered us a XXXX month bereavement that would be added to the end of our loan. In XX/XX/XXXX, after already skipping XX/XX/XXXX and XX/XX/XXXX payments, we were informed that they made an error and we were not eligible for this program. XXXX demanded that we make-up the XXXX missed payments in full. We explained that we did not have the funds to do this since all the money was used to make repairs as a result XXXX. After the XXXX month forbearance, we started to make our usual monthly payments. However, the payments were and still are being applied to the previous months, thereby, making it appear that we have continually missed payments. As of last month, our credit report indicates that we have missed XXXX mortgage payments. To further complicate the situation, XXXX has transferred our loan to Seterus and they are also reporting ourpaymentsas missed. We have tried to resolve this matter with Seterus as well, however, each month we make a payment it is also being applied to the prior months. Thereby, making it appear that we are perpetually late and missing payments. The documents attached will show that we have never missed a mortgage payment with Seterus. Furthermore, we have had our mortgage with XXXX for close to XXXX years and the only time we did not make a payment to XXXX was during the forbearance which they authorized as a result XXXX and then reneged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2022-09-07
Company: Experian Information Solutions Inc.
State: DE
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:
On XX/XX/2022, I sent a letter to EXPERIAN credit reporting company about a collection company on my credit report that failed to respond to my debt validation letter. The Collection company is XXXX XXXX XXXX that is reporting on my credit report in the amount of {$700.00}. As per my rights, I did an investigation, and sent a debt validation letter to XXXX XXXX XXXX on XX/XX/2022 and gave the company 30 days to respond with documentary proofs of the alleged debt to my address. The Collection company XXXX XXXX XXXX failed to respond to my validation letter, I received no response from this company. I then sent a letter to Experian credit reporting company notifying the company that XXXX XXXX XXXX has failed to respond to my debt validation letter and to remove the Account # XXXX from my credit report. I also provided Experian with the letter I sent to XXXX XXXX XXXX as well as the Certified Mail Receipt from the United Postal Service. Experian credit reporting company responds on XX/XX/2022 saying the collection company verifies the account. This is False, the company XXXX XXXX XXXX was provided 30 days to respond to my debt validation and failed to give me a response at all therefore Experian Credit reporting company needs to remove this item from 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 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
refused to remove account and said it was verified through a forged document

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 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
A credit card was taken from my desk in my house by a grandson, used to charge {$1400.00} at a strip club, then returned to the house. Bank of America refuses to honor the dispute because the chip on the card was used and my name was forged on the receipt.

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 2017-01-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have paid my Wells Fargo house payments for my home equity loan by online bill pay for many years, doing it manually, with no problems. Beginning in XXXX, my payments of {$1300.00} were not reflected on my next statement. This happened for four consecutive months, XXXX, XXXX, XXXX, and XXXX of XXXX, with a total of {$5500.00} missing. After speaking with them by phone, I faxed copies of each online payment transaction with transaction number, and my WF account number written on each. I delayed making a XXXX payment until they could track down the payments. 
Their response was to completely ignore my proof of payments, sending instead a XXXX page packet telling me how they could help me catch up on payments. Included in that was an application for mortgage assistance. No mention was made of my fax or the proof of payment. 
Wells Fargo advanced me money against the amount of escrow in my house to help pay the taxes on my house for two years. Illness and the recession had decimated me financially. I had originally asked for an escrow account, but was told it was not possible with that type of loan. After the difficulties with the taxes, they started an escrow account, which nearly doubled my payments ; I was ok with this. However, they wanted XXXX retroactive payments, each {$1300.00} ( approx ). I was able to scrape together XXXX, but not a second XXXX. After several phone calls, I was finally connected with a woman who worked with me on the phone for nearly an hour ( XXXX XXXX, XXXX ). Going back and forth for okays, a plan was implemented for the remaining amount ( {$1300.00} ) to be paid over a 48-month period, as part of my monthly payment. It went exactly as planned, until the end of XXXX, the first quarter. Their computer kicked out the agreement, and I was told they had no record of it. That has been an ongoing issue. 
Adding to this problem is the policy WF has concerning signed contracts - once signed, you are never allowed to talk to anyone face to face about any problems. You can not go to their mortgage finance building and speak to anyone. All must be done by phone. In the past XXXX six years, I have been given fake names and phone numbers, which means that I have never been able to talk to the same person twice. I 've been told they have no record of a call made, or a decision made. 
I am making XXXX last attempt to make a payment at WF Mortgage for XXXX and XXXX, by checks, and get a receipt. Online bill payment obviously is n't to be trusted, and I certainly do n't trust them to give them a credit card number on the phone or mail a check.

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 2022-04-13
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX keeps sending this account to collections ( I C Systems ) when I have told them years ago that this account was opened fraudulently. Now I am being contacted by yet another collections company about a debt that is not mine. I spoke with them and was told that I could get a discount to pay it down but that was the only thing I could do due to me not knowing how to get proof of who used the services with my information.

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 2022-04-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I asked for the account to be removed due to inaccuracies. it is currently still on my report. if this account was properly investigated it would not be on my credit report. my Equifax, XXXX XXXX and XXXX should all be accurate, meanwhile this account is still, and only, on my Equifax. for this report to be accurate it would appear across all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I somehow accidentally got my fathers name into my report which reported not only my credit information but also information from his XXXX XXXX and XXXX XXXX XXXX accounts. Please have the reporting agencies remove these XXXX permanently since they belong to my father. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: MoneyLion 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: Reporting company used your report improperly

Complaint:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. MoneyLion , Inc. violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8, and 15 usc 1692b. ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company stated that this debt is no longer with their office but this debt is being verified by this same company on all three of my credit reports. If you no longer own the debt or have the debt in you office delete this debt from my credit report. You can not verify or keep reporting something that you have no access to any longer. Its unfair and against the law to keep doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Velocity Portfolio Group
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2016-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Inquiries listed on my credit report ( Transunion and XXXX ) XXXX XXXX CREDIT CARD XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX 3 times, XXXX 2 times, XXXX XXXX XXXX, XXXX 2 times, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, that I did n't ask or apply for, give permission to, or been associated with in any manner. Also have XXXX different address on my credit report that are not my addresses from XXXX XXXX XXXX XXXX XXXX Ga XXXX and XXXX XXXX XXXX XXXX XXXX, Ga XXXX. Employer that I have n't worked for is XXXX and XXXX. 
attempted to get these items removed from report due to identity fraud but all credit companies ( Transunion, XXXX, and XXXX ) would not comply. I explain that my taxes and credit has been tempered with on these items listed above.

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 2022-04-13
Company: Affirm Holdings, Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I ordered an item from XXXX and chose 'affirm.com ' as a third party for a method of payment. I chose 6 months installment with 0 % interest. After a never-ending wait for the item to come, I contacted the merchant to get an update of the order. It turned out that the item was delivered, but I did not receive it. I asked for the 'proof ' of delivery, the merchant provided a picture that acted as the 'proof ' of delivery ; however, the picture shows that the item was on a different property other than the one stated on the address. I provided the picture of my property to the merchant to assure them that the item was not delivered as promised, but the merchant was giving me a hard time and did not want to refund the money. Therefore, I decided to dispute the transaction through affirm.com. I provided proof that the item was not delivered to the right address. After several days, 'affirm.com ' made a decision in favor of the merchant despite the irrefutable evidence that the item was not delivered as promised ( to the right address ). They said that the merchant already processed and delivered the item to the right address and it is my job to contact the merchant to resolve this issue *even though I already did. They forced me to pay for something I don't even get. Affirm.com reported an 'overdue ' payment of my account to the credit score bureau and destroyed my credit score. Affirm.com has violated their own policy by not protecting their customer, and forcing them to pay for something that they don't even receive. This is disgusting and a disgrace!

Company response to consumer: Closed with explanation