BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
In XXXX, I applied for unemployment in California, they issued a debit card from Bank of America, on which I would be receiving my payments. I finally applied for my tax return in XXXX, the amount of payments that XXXX in California said that I was suppose to receive is in conflict with what I actually received. Asked Bank of America three times to e-mail me the print-outs for XXXX of the deposits made by XXXX unemployment in California to my debit card. This is time sensitive because the IRS has given me certain amount of time to straighten this problem out. The first e-mail I received was only for XXXX XXXX deposits. Called Bank of America again, the second e-mail the print-out was compressed, could not make out what was a deposit or purchase or anything, called Bank of America one more time, they said they would send out the e-mail, did not receive the e-mail. I need this information as soon as possible that I may make sure that the deposits the unemployment made are the same with the records what I have to be able to do my tax return correctly for XXXX. Would like to receive a phone call when they e-mail this information for the fourth time. 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 2015-10-06
Company: SUNTRUST BANKS, INC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
refer to CFPB case # XXXX XXXX - Suntrust removed disputed mortgage lates reporting. Supporting documentation was provided to support error. Please remove SunTrust Mortgage late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Santander Consumer USA 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 is missing that should be on the report

Complaint:
There has been a theft robbery and burglary cases involving me lately. My XXXX XXXX me with weapons and stole my account several times. I made report to dispute the hard inquiries that are on my credit reports and the soft ones. I reported this to XXXX XXXX tx police dept. They made attempts to keep me safe. But this man came back an ssf took my cards and finding some way of using it to get a room at XXXX XXXX  and withdraws XXXX dollars from a store. Then with my identity he been trying pass it off as me and make out online or at stores and apply for loans to XXXX XXXX XXXX XXXX XXXX XXXX  and a numerous others. Please as she remove these negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have provided both  XXXX  and Experian with police reports and affidavit from the FTC they have stated the information provided was not good enough to investigate these accounts. I submitted documents in accordance to the FCRA and they have refused to adhere.   They are stating that the police report or affidavit has to be signed by an officer, when the police department has accepted the report and provided a verifiable police number online. If the CRA is doing a proper investigation they will be able to verify the police report number through the  XXXX  Police Department.

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 2016-07-08
Company: JPMORGAN CHASE & CO.
State: KS
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have an auto loan that is financed through Chase Bank since XXXX XXXX. One time since the creation of the auto loan, I had a late payment back in XXXX XXXX. To avoid that in the future, I set up alerts through Chase 's online banking website where it will alert me by e-mail if a payment has not been received and another alert to remind me that payment is due within a day of the due date. However, for XX/XX/XXXX, I did not receive those alerts. My due date is XXXX/XXXX/XXXX. I realized the payment is late and can only submit it for XXXX/XXXX/XXXX. I contacted Chase and their online banking department has noticed that I have not received any alerts since XX/XX/XXXX. They told me to update my alerts in my account again to update their database. I asked if I would still get penalized for the late payment which the operate transferred me to another department. Once I had to explain the issue again, the new operator submitted an inquiry to see if my increased interest that will accrue due to the amount of days after my due date can be waived. They said that around XXXX/XXXX/XXXX, I would get some kind of response back from Chase Bank to see if my inquiry is valid enough for them to waive the fees. They assured me that the late payment will not go against me on my credit score since Kansas laws have a 10 day leniency when submitting late payment but interest will still accrue for the amount of days after the due date and until a payment has been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX had provided incorrect information to all of the credit reporting agencies XX/XX/XXXX concerning my mortgage. They finally corrected the information. XXXX stated in a response to complaint # XXXX filed with the CFPB that the XXXX major credit reporting agencies were notified, which included TransUnion. By the time XXXX got the information corrected, TransUnion had deleted the entire account. Per a response from TransUnion to complaint # XXXX, XXXX has not verified the corrected information, therefore they will not show XXXX as a creditor. The XX/XX/XXXX credit report that I received from TransUnion does not reflect my mortgage information. I have tried to get the corrected information on my mortgage added by TransUnion. They stated that this information need verification from creditor. XXXX states that they have sent correct information. I have to contact the credit reporting agency. Nothing is been done by XXXX or TransUnion therefore I the consumer suffer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-13
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card
Issue: Balance transfer

Complaint:
I called Chase to talk to a representative about doing a transfer balance. Chase was offering a 0 % APR for 15 months and I had a large credit card balance that I wanted to transfer. This was a way for me to pay a lower interest on the balance that I carry and to make some headway to pay off the balance. After speaking the representative, I chose the XXXX application and applied. However, after I entered my transfer balance and got my account line information, it was much less than the amount that I wanted to cover. I have over {$13000.00} in credit card debt and paying a large interest charge each month. I feel deceived by the Chase website because it did not make it clear that my full balance amount that I wanted to transfer would not be eligible for transfer. I was only offered a {$1800.00} account line, which is much less than what I need to pay off the balance. I even called XXXX ( the credit card company that carries the {$13000.00} ) balance for assistance to help pay off the balance, but they would not offer me a lower interest. In the case of Chase, I feel that they should put a larger disclaimer so that future customers such as myself are n't fooled into thinking that their full balance will be opened to allow them to take advantage of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Late fee

Complaint:
XXXX Chase charged me {$25.00} late fee. The due date is XXXX/XXXX/15. Bill was paid by telephone on XXXX/XXXX/15. I called their customer service yesterday and was advised that payment must be made a certain time of the day ( early in the day ) or there will be late fee, hence the {$25.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello, I have checked my credit score using XXXX. Here it was listed that I have an account with XXXX and a debt of {$2300.00}. However, I have never taken any credit or debt out. This is either Identity theft or a mistake.

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 2022-07-23
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Bought Washer, dryer and accessories at XXXX XXXX on the weekend of XX/XX/XXXX the order was confirmed XX/XX/XXXX, total {$1800.00}, estimated delivery XX/XX/XXXX. The order confirmation was split into two orders, XXXX for the accessories XXXX ( washer & dryer ) and ( XXXX ( accessories ). I financed the order using Affirm which was offered directly by XXXX XXXX website. I received my confirmation from Affirrm on XX/XX/XXXX and a second email with payment schedule on XX/XX/XXXX. On XX/XX/XXXX I received an email from XXXX XXXX on the XXXX that my order was not available and they would notified my when the items were ready for shipment, on or about XX/XX/XXXX I called XXXX XXXX and they said they would have next update from the plant XX/XX/XXXX but not to worry because I had not been charged for the purchase, they don't charge until the item ships from the factory. However Affirm has me on a monthly payment schedule starting XX/XX/XXXX for {$300.00} per month due over the next 6 months, failure to make payment results in the full amount of interest being charged on the load. I received another email from XXXX XXXX pass on the XX/XX/XXXX stating the washer and dryer won't be ready to ship till XX/XX/XXXX. I called XXXX XXXX XXXX and canceled my order and asked for a refund, they refunded the accessories but not the washer and dryer as they had not charged for them yet. I followed the Affirm instructions for filing for a refund by contacting XXXX XXXX pass XXXX more times, the second time they provided a return receipt for the accessories and a email stating the order had been canceled, they said they could do anything about Affirm as they not charged for the washer and dryer. I obtained Affirms phone number from XXXX and called to resolve the issue, they said they had to wait for XXXX to process the return for the washer and dryer and advised me to continue paying on the loan or I would be charged interest on the full loan. I called XXXX back and they said the would send an email to Affirm letting them know that the order was canceled but that is all they can do. At this point I have purchased a washer and dryer from another company and am out over {$500.00} dollars with another {$1300.00} in payments and can't get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: JPMORGAN CHASE & CO.
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX and XX/XX/XXXX my checking account with Chase Bank was the subject of fraud. Chase alerted me to the issue via text on the night of XX/XX/XXXX. I called the fraud hotline to have me debit card frozen and the report XXXX additional transactions I did not make. On Monday XX/XX/XXXX Chase removed XXXX charge that was not authorized from my account and reimbursed XXXX of the remaining fraudulent charges. They have refused to refund the remaining XXXX charges claiming they were not part of the fraud. As all XXXX interactions I 've had with Chase have been on the phone I have no documentation and when I requested written documentation from Chase they have refused to provide it. Their refusal to provide written documentation and the obvious outsourcing of the Fraud Center is concerning. If a large bank refused to help protect the consumer after a fraud breach it makes it very difficult to deal with the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Nelnet, a part of XXXX, has failed me as a borrower for years and I absolutely support the CFPB in their claim against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card
Issue: Credit determination

Complaint:
Chase Credit card has a new rule called XX/XX/XXXX. Any credit card applicant is only approved if he/she has less than XXXX inquire on his credit report within the last 2 years. This is hindering competition for the consumer. Consumer is not able to shop around any longer, so the bank is starting to building a price cartel with the information within the credit report. I am ok that Chase Bank uses my credit information to check my credit worthiness ( about XXXX fico score ) but not ok to hinder competition. 
Within case my application number is XXXX regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
My complaint goes back to XXXX XXXX with XXXX XXXX of XXXX XXXX, I was advised that the information needed to be filed with the corporate office. When I sent the information in to corporate they advised me that they could n't find me in the achieve file and that I would have needed to contact the place where the transaction happen. Once I did that I did n't get anywhere with the general manager who stated that since the other person know longer worked there he could n't really help me and the inquiry should be falling off in XX/XX/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 2022-07-23
Company: EQUIFAX, INC.
State: DE
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 WANT THE FOLLOWING ACCOUNTS BLOCKED AND REMOVED FROM MY CONSUMER REPORT PURSUANT TO 15 USC 1681B I DID NOT GIVE XXXX XXXX OR EQUIFAX AND WRITTEN CONSENT TO FURNISH ANY FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT TO MY RIGHTS AND I AM VIOLATED I AM DEMANDING A DELETIONS OF THESE ACCOUNTS OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 WANT THE FOLLOWING ACCOUNTS BLOCKED AND REMOVED FROM MY CONSUMER REPORT PURSUANT TO 15 USC 1681B I DID NOT GIVE XXXX TRANSUNION OR XXXX AND WRITTEN CONSENT TO FURNISH ANY FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT TO MY RIGHTS AND I AM VIOLATED I AM DEMANDING A DELETIONS OF THESE ACCOUNTS OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT

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 2020-04-19
Company: Experian Information Solutions Inc.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I submitted a certified letter to Experian, on XX/XX/20 requesting they investigate a fraudulent account reported to my credit report. I also included the certified letter I sent on XX/XX/20 to the company XXXX XXXX XXXX that is reporting the fraudulent account to my credit report requesting documentation proving this account was opened by me. XXXX XXXX XXXX  did not contact me or allow me 30 days to dispute the account prior to submitting the fraudulent account to each credit bureau. They provided no documentation. I further documented in my letter to Experian, I had no joint accounts and did not have any inquiries on my credit reports further proving this account did not belong to me. Experian provided no information or documentation as to how XXXX XXXX XXXX  determined the fraudulent account belonged to me.

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 2022-07-23
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX  XXXX XXXX has violated my rights 15 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 connot furnish an account without my written instruction.

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 2022-07-23
Company: ALLY FINANCIAL INC.
State: CA
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 contacted Ally bank to open XXXX savings accounts for my children. They ran a hard inquiry on my credit. I didnt apply for any kind of credit services only to open savings accounts for my children. Ive contacted them multiple times and they say theyre addressing the problem. They have not. On multiple occasions theyve just hung up while I was waiting to speak to a manager. Happened again just now.

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 2016-11-02
Company: ALLY FINANCIAL INC.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Hello, In regards to Bank Account # XXXX On : XXXX XXXX, 2016 XXXX XXXX , CA, XXXX - {$93.00} This charege appeard on my Bank Account . Once I noticed the charge, I immediately called Ally Bank and filed a dispute against this merchant of which I have never done business with. I 've never heard of this merchant. 
I had a new card shipped to me, and have not heard anything about this since. 
That is, until XXXX XXXX, 2016, when this appeared on my account : XXXX XXXX, 2016 XXXX XXXX Dispute XXXX ( Reversal ) - {$93.00} I called into your Bank and pleaded my case that I have not done business with this merchant, and do n't think that this company and Ally basnk should be ripping me off for almost {$100.00}. 
Your representative stated that she spoke with a girl in the disputes department and she told her to tell me that I should call my merchant and see if they would work with me. EXCUSE ME? 
I was then placed on anoher hold, while the rep, called over to disputes again. 
So, a girl named XXXX is 3-wayed into the conversation and says that the Bank sent a request to the merchant with the dispute. The merchant sent the Bank back documentation to prove that it is valid, which she had in front of her. An argument ensued when I asked XXXX to show me the documentaiton. She says that she will open up a SalesForce case to get the information. This proves that XXXX XXXX from Texas lied to me. XXXX changed her story 15 times, when I demanded her Managers name and phone number. She stated that she was the Manager as if she hired herself. I demanded her employee ID #, of which she refused to provide. This bank is XXXX-like. 
If Ally bank refuses to give me my funds back, there will be an Attorney Generals complaint filed against you. 
I will also obtain a re-finance and move my Car Loan someehere else. 
I expect this issue to be resolved immediately. After that I will shut my Bank account down with you. It 's such a shame that the relationship lasted only 1 year. I 'm glad your Bank finally showed its true colors. And I will advise others to stay away from your bank. Yes, I work at a large Corporation as well.And reputation means everything. I as well speak to customers over the phone in a call center, just like XXXX. 
Just wait. I will remain with 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 monetary relief