BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I understand the pandemic, cyber terrorism and transition to digitalized has impacted financial services however my accounts were closed for other reasons. So many BILLION dollar, companies have totally lost integrity, ethics, morals, values, a soul ... during COVID19 and are targeting, bullying and clearly violating the law. This is starting to become a regular issue that is hindering the country. 

The money was in my checking account for my Chase payments however XXXX decided to charge me ten overdraft fees. XXXX purposefully did the math wrong and this is not the first time NFCUs unethical overdraft practices have impacted my transactions with other institutions. 

XXXX manipulated the order of my transactions to maximize the chances I will be charged an overdraft fee. The transaction order ( not chronological ) negatively impacted the way XXXX processed various types of debits and the time period ( a week ) did not allow me to keep track of what XXXX was doing so I was not unable to anticipate and avoid overdraft fees. 

The effect of XXXX practices has negatively impacted my relationship with other financial institutions. Several of my other institutions did not receive the scheduled payments due to XXXX. XXXX credited my account hundreds in fees however that still does not negate the fact that my accounts ( XXXX ), ( XXXX ) and ( XXXX ) were closed with other financial institutions such as Chase Bank. 

After receiving notice from Chase on XX/XX/2021 that my payment was not received. I immediately rescheduled the payments on all three credit cards. However, Chase Bank closed all three of my credit cards. I am shocked as I held a VA mortgage with Chase Bank and always paid my mortgage on time and ahead of time. This is also the first time I had an issue with my credit card payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: STATE FARM BANK, FSB
State: AL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX/2017 paperwork was signed at XXXX local office to transfer an IRA from STATE FARM BANK to XXXX. It is now three weeks later ( XXXX/2017 ) and neither STATE FARM BANK or XXXX can tell me where the money is. STATE FARM says the " check is in the mail ''. XXXX says they have not received the check. This is XXXX figure money amount. Feel money is being held hostage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have recently in the month of XX/XX/2021 on the XXXX day at XXXX PM received a call from from Wells Fargo stating that there had been misappropriation of funds and that I needed to stop those funds from going in order to do so I need you to put my name into my XXXX account To reverse the transaction they requested requested that I follow through with a 4 digit authentication code And I continued to send the {$3000.00} to who I thought was myself they followed up with another {$490.00} a second authentication code I checked my balance in my account while they were on the phone and realized I'd just been taken for all the money after a few choice words to the agent I was speaking to into I immediately called my bank and repetitively called my bank every day thereafter for 2 weeks weeks I've yet to get my money back and have been told via letters that I'm not going to get my money back I am currently working with XXXX XXXX news on your side here in the XXXX area and they are assisting me or at least trying to get my money I have made reports I filled out forms I've called my bank and I've yet to get my money back I inform as many people as I can on social Media do not take calls from what you may think is your bank always hang up and call your bank your bank will never call you and tell you that funds are being misappropriated I know this now it's a {$3500.00} lesson a class I did not want to take help 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 monetary relief
Consumer complaint received 2021-08-27
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I mailed oFf a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are reporting inaccurate personal 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 non-monetary relief
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX Opened XX/XX/2018, 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 can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2017-05-28
Company: ENCORE CAPITAL GROUP 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, # XXXX amount of {$790.00} the account was charged off for amount of {$790.00}. On XX/XX/XXXX the account was then turned over to Midland Credit ( MCM ) Management, Inc. MCM account # XXXX. The account was paid in full. but it is showing on my credit with {$0.00} balance showing that it was charge off. When I tried to received a loan or credit they tell me it not showing that I paid the charge off. ; it showing still as a charge off account. this account was settle on XX/XX/XXXX. the reason for this deliquency was a cut in my hours on my job. Why is it still showing as a charge off and not a paid charge off. I know that my race has a lot to due with this. I did not let this stay on my credit I paid it off. I am so sorry for not be able to pay my bill on time, but they cut my salary down to nothing. But I paid off all negatives with my INCOME TAX. I have called them several times they told me that it is going to show up as a charge off, I do n't understand, because it should say that I paid the charge. I had a rejection last week and they told me the same thing until I showed them the letter that MCM sent saying that I paid the charge off. I hope that someone can help me with this situation, if not I will purse other options. Thanks for your time please see attached letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: CBC Companies, 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 got a bunch of hard inquiries in my report in XXXX and XXXX which are not mine. 

We found a new credit inquiry on your XXXX credit report. 

Note that the Name is entity providing the information to XXXX and the address listed may be a corporate address. 
SourceXXXX Alert DateXXXX XXXXnquiry DateXXXX NameXXXX Phone ( XXXX ) XXXX Business TypeBC Street Address XXXX XXXX XXXX CityXXXX XXXX StateTX ZipXXXX We found a new credit inquiry on your XXXX credit report. 

Note that the Name is entity providing the information to XXXX and the address listed may be a corporate address. 
SourceXXXX Alert DateXXXX Inquiry DateXXXX NameXXXX XXXX XXXX PhoneBYMAILONLY Business TypeBC Street Address XXXX XXXX XXXXXXXX CityXXXX XXXX StateSD ZipXXXX We found a new credit inquiry on your XXXX credit report. 

Note that the Name is entity providing the information to XXXX and the address listed may be a corporate address. 
SourceXXXX  Alert DateXXXX Inquiry DateXXXX NameXXXX  XXXX XXXX Phone ( XXXX ) XXXX Business TypeBC StreeXXXX Address XXXX XXXX XXXX CityXXXX  XXXX StateIA ZipXXXX SourceXXXX Alert DateXXXX Inquiry DateXXXX NameXXXX XXXX XXXX XXXX  PhoneBY MAIL Business TypeBC Street AddressXXXX XXXX XXXX CityXXXX StateNJ ZipXXXX SourceXXXX Alert DateXXXX Inquiry DateXXXX NameXXXX XXXXXXXX XXXX. 
Phone ( XXXX ) XXXX Business TypeFA Street Address XXXX XXXX XXXX CityXXXX StateAZ ZipXXXX SourceXXXX Alert DateXXXX Inquiry DateXXXX NameXXXX XXXX XXXX PhoneBYMAILONLY Business TypeBC Street AddressXXXX XXXX XXXX  CityXXXX XXXX  StateDE ZipXXXX  SourceXXXX  Alert DateXXXX Inquiry DateXXXX NameXXXX XXXX Phone ( XXXX ) XXXX Business TypeBC Street Address XXXX XXXX XXXX CityXXXX XXXX XXXX StateUT ZipXXXX Note that the Name is entity providing the information to XXXX and the address listed may be a corporate address. 
SourcXXXX  Alert DateXXXX Inquiry DateXXXX NameXXXX XXXX XXXX Phone ( XXXX ) XXXX Business TypeFA Street AddressXXXXXXXX XXXX XXXX XXXX XXXX CityXXXX  StateGA ZipXXXX SourceXXXX Alert DateXXXX Inquiry DateXXXX NameXXXX Phone ( XXXX ) XXXX Business TypeBC Street Address XXXX XXXX XXXX CityXXXX XXXX StateTX ZipXXXX SourceXXXX Alert DateXXXX Inquiry DateXXXX NameXXXX XXXX  XXXX PhoneBYMAILONLY Business TypeBC Street Address XXXX XXXX XXXXXXXX CityXXXX XXXX StateSD ZipXXXX SourceXXXX Alert DatXXXX Inquiry DateXXXX NameXXXX XXXX XXXX PhoneBYMAILONLY Business TypeBC Street Address XXXX XXXX XXXXXXXX CityXXXX XXXX StateSD ZipXXXX SourceXXXX Alert DateXXXX Inquiry DateXXXX NameXXXX  XXXX XXXX Phone ( XXXX ) XXXX Business TypeBC Street Address XXXX XXXX XXXX CityXXXX XXXXXXXX StateIA ZipXXXX SourceXXXX Alert DateXXXX Inquiry DateXXXX NameXXXX Phone ( XXXX ) XXXX Business TypeBB Street AddressXXXX XXXX XXXX CityXXXX XXXX StateTX ZipXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: EQUIFAX, INC.
State: UT
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:
XXXX  XXXX # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX  XXXX # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.

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 2015-12-15
Company: CarMax, Inc.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My deficiency debt from Carmax was assigned to a debt collection agency, XXXX XXXX XXXX. The amount was raised over {$3000.00} without any proof of the interest rate or fees from the original contract. I spoke with XXXX XXXX initially and tried to settle this debt but have not been able to maintain any sort of communication with them. I have called multiple times and am told that someone will follow up on this case and call me back. I have also sent email correspondence on these dates ; XXXX XXXX 2015 XXXX XXXX 2015 XXXX XXXX 2015 I have reached out to the creditor, who still holds this debt, multiple times and have not received a single phone call, letter or email. I simply want to take care of this debt and both the creditor and the collection agency has made it near impossible to settle this debt. 

Since this has been such a hassle I would like to also explore the avenue of the collection agency charging unwarranted fees and interest, as the original contract was deemed null and void upon repossession of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I was made a principal car loan maker or buyer, instead of a co-maker at XXXX XXXX on XXXX XXXX, XXXX by The Office Manager just to materialize the car lease. I was deprived to read the contract to fully understand and was given limited explanation and forced me to sign. Since that time my sister-in-law badly needs the car for their children, but to no avail I was forced to signed against my will. My sister-in-law relatives after 5 months became a strong XXXX victim in the XXXX, so she decided to surrender the car for financial constraints. The XXXX resale the car and charged the difference to me since my name was a Primary Buyer. The American Honda XXXX was charging me {$7900.00} despite of the request to waive the differential cost since we paid during 5 months and the car was in good condition and my sister-in-law relatives were badly affected by the XXXX and need to send financial assistance. That 's why she gave up the car. Now, the differential cost was sent to XXXX XXXX , XXXX as the debt collector 's agency. My sister-in law who is the sole working since XXXX with a XXXX child and XXXX children can not afford to pay the difference. Since my name was in the primary lease contract, my credit score became worsened and very low for that situation. I need to clear up my name and corrected the reports from XXXX reporting agencies. I can not pay the said amount because I was only made a principal by the XXXX because of my high and good credit score during the signing of lease in XXXX. May I request to please help me to clear my name and to ask the XXXX to waive their claim. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I had a XXXX month lease with Honda Financial which was paid on time, every month. The lease was opened in XXXX XXXX and closed XXXX XXXX. Due to my real estate business, I had to declare personal bankruptcy in XXXX XXXX, a full XXXX months following the end of my lease with Honda. By their own admission they never closed out my lease and put my account into their bankruptcy dept. I, however, NEVER included Honda Financial as part of my bankruptcy petition and the account should have been closed as paid, satisfied, on-time as of XX/XX/XXXX. My credit report prior to my filing showed the account in good standing. After filing my bankruptcy, again, in which Honda was never included, the account is now showing as " closed-derogatory '' and included in bankruptcy. I have contacted Honda multiple times and even have a letter from them stating that my account was paid, on-time and closed in good standing as of XXXX XXXX. However, when Honda Financial reports to the credit bureaus they are still reporting the account in bankruptcy. It was fixed and then they reported in XXXX XXXX ( not sure why since the account is " closed '' allegedly ) and it is back to being reported derogatory and in bankruptcy. I have spent countless hours trying to get this corrected, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian needs to remove incorrect addresses from my account immediately. I have sent them a letter telling them that these addresses don't belong to me and they refuse to remove them.

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 2022-03-17
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My credit report shows a collection from Midland Credit Management. I do not nor have not had any open account totaling {$650.00}. I do not believe this debt is accurate. I the natural person never gave Midland Credit Management consent to report anything to the credit reporting agencies nor do I have a contract to do business with them. Therefore, my position is being clearly stated, the account does not belong to me, meaning that Midland Credit Management is reporting inaccurate account information within my credit file. I am well aware of my rights as a consumer. Per the language of the Act, Midland CM is in violation of 15 U.S. Code 1692e. False or misleading representations The Fair Credit Reporting Act requires that the credit-reporting agency report accurate and/or correct account information within my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: EQUIFAX, INC.
State: NY
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 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Acra Intermediate Holdings, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB, I have had problems with my current lender for over a year now and have reported these issues to your agency multiple times. 
My lender, XXXX is completely unethical and uncooperative. 
We are in the final stages of refinancing our home with a new lender but are unable to close due to Citadels refusal to communicate the right information with the new mortgage company. 
This is our second attempt at refinancing our house. The first one also didn't close due to the exact same issues. 
Moreover, Citadel has the audacity to not credit our monthly mortgage payments and hold the funds in a suspense account, and not report our payments as current to the credit agencies. 
I have called and emailed their representative multiple times but have not heard back. 
We are in dire need of help. 
Please be so kind and look into these practices. 
Thank you very much. 
With best wishes, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 been requesting, since XX/XX/2021, verification of these alleged debts that you keep reporting on my credit files. However, the credit bureaus failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they have continued to report & sell erroneous information about me. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.

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 2022-07-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I found inquiries on my credit that wasn't done by me. PLEASE SEE ATTACHMENT FOR THE LIST OF INQUIRIES TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: CAINE & WEINER COMPANY, INC.
State: GA
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:
Caine & Weber has been contacting me concerning a debt transferred from XXXX.XXXX failed to communicate and validate I owed this. I canceled XXXX before this balance was due and acquired more affordable insurance through XXXX. Caine & Weber are now threatening to report this on my credit. If this is reported on my credit, it will affect my ability to get a job and many other products. I have XXXX credit & this is unfair.

Company response to consumer: Closed with explanation