BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-13
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: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint.

I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2020-12-15
Company: OneMain Finance Corporation
State: SC
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 files a dispute in regards to the incorrect items on my credit report and its has been well over 30 days and I have not received and investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: JPMORGAN CHASE & CO.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Chase has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Have sent a letter and called CASHNET USA to Remove FALSE Inaccurate Credit Information that is being reported on my credit reports from XXXX XXXX XXXX  : Alleged acct number XXXX To whom it may concern : I have received a notice from XXXX XXXX XXXX for debt owed in the amount of {$3100.00}, which I am declaring completely fraudulent. I obtained a copy of my credit report and after reviewing the information, I noted that inaccuracies have been placed again on my credit report regarding CASHNET USA. I have NEVER had an account or heard of CASH NET USA. This information has been placed on my credit report now for the second time after initially being corrected. How was this verified and approved?, Where are my signatures, where was the money deposited or a check written to? 
Here are the factual items in which I am disputing : 1. This Debt is NOT and NEVER has been associated with me 2. I am reporting this a FRAUD 3.Re-insertion of fraudulent ; incorrect information, AFTER it was corrected when it was sent to a previous debt collector. 
I formally wrote notice to XXXX to correct my credit report and now I have to send the XXXX and XXXX. Please note that this inaccuracy has been reported twice. 
Following the conclusion of your investigation, please send me the results of the corrections via MAIL. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Dear Sir or Madam of the CFPB, It is my hope that the CFPB will assist in resolving the ongoing illegal activity being conducted by  Wells Fargo Dealer Services  and its agents. I have, in good faith, attempted to resolve the dispute with  WFDS  on more than  5  occasions. As of  XXXX   2017 , WFDS has yet to resolve and discontinue reporting incorrect, unvalidated, and illegal data to the credit reporting agencies.     As the attachments will show,  WFDS  continues to interfere with the health of my credit by continuously reporting erroneous information . WFDS c ontinues to misreport account standing and balance in direct conflict and in violation of the FCRA.     WFDS, directed its agents to claim the financed vehicle in question from me. I no longer have the vehicle in my possession as  WFDS  took claim to the vehicle. As of  XXXX   2017 , I have yet to receive written documentation as to the value of the sale of the vehicle, the redemption notice, the re-calucation after sale, and other pertinent legally required documentation. WFDS has been in breach of its contract obligations and credit reporting requirements.     For the last 2 years , WFDS r eports erroneous information. I am seeking assistance in ending the erroneous, harmful, and damaging credit reporting being done by WFDS and its agents. Please review the attached documentation, phone calls, and letters, to reveal the antics o f WFDS  and the struggle I have endured in ending the harm caused b y WFDS .

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 2022-09-08
Company: EQUIFAX, INC.
State: NC
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:
LETTER OF DISPUTE AND AFFIDAVIT ATTACHED PLEASE SEE BELOW EQUIFAX HAS REFUSED TO COMPLY TO MY DEMANDS EVEN WITH MY WRITTEN DEMANDS AT HAND. I HAVE ALSO PROVIDED EVIDENCE OF THE OTHER AGENCIES REMOVING THE SAME INFORMATIONS THAT EQUIFAX HAS REFUSED TO REMOVE FROM MY CONSUMER REPORT. PLEASE SEE BELOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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: Account status incorrect

Complaint:
CFPB + Equifax, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: CITIBANK, N.A.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
2 fraud applications with XXXX on XX/XX/2022 and XX/XX/2022. 
1 fraud application with Citi on XX/XX/2022.

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 2017-06-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX   XXXX  Loan #  XXXX  I want to place a complaint against  Wells Fargo  in regards to a loan modification for my subject property located at  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX  with a loan #  XXXX . The reason for the complaint is due to in-compliance and mis interpretation of my loan modification review. They claim that the investor of my mortgage loan is private, and they do not participate under the HAMP program. If they do not participate under the HAMP program, why was my file being review for a possible HAMP, when they know they do not participate in HAMP and they do not follow the guidelines. I should be reviewed for a  Flex Loan Modification in which I know I qualify for, and I have evidence from a Loan Disposition Analy sis in which I will attach. I was told I needed to reapply for a loan modification and I did as I placed a Loan Mod Package in  XXXX  and  XXXX  of this year, and 2 times last year. Upon receiving the  Loan Mod Package, they advise I needed it to speak to a " re entry team '' to see if I can  be review for a loan mod in which they just informed me to fax a new package, once again, mis interpretation from the servicer. The re entry team after an initial interview, advise me that I can be reviewed for a loan modification. After completing another review in  XXXX , they advise me that I need a lot more income that was presented to reactivate the file, in which after the initial interview, they advise me I can be review for a possible loan mod. I do not understand what is going on with  Wells Fargo,  I really want to keep my property but they keep  mis  interpreting my loan, not only causing me to fall behind even more, not allowing me to get a loan mod, in which I 'm ready to start paying back my loan. I executed a Loan Disposition Analysis and after a REST Analytical Report, with the use of an NPV Result, I qualify for a Flex Mod, and I 'm able to save my house, my investment that I had worked so hard to keep. Please help me come up with a solution with this bank and save my house. I really need your 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 2022-09-08
Company: SYNCHRONY FINANCIAL
State: TN
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  Account # XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan s late for their 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 2022-01-05
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My credit card company, Chase bank, has a promotions called Chase Offers. There was an offer available to be used at the XXXX & XXXX store. The terms said that I needed to make two purchase greater than {$37.00} each and would receive a credit for {$75.00}. On XX/XX/XXXX I made two purchase that were {$53.00} and {$54.00}. Shortly after I received an email stating that I " ... just used one of your Chase Offers ''. I then logged onto chase.com where I saw the two charges for XXXX XXXX XXXX. On XX/XX/XXXX when my husband logged into chase.com to pay the credit card bill and noticed that somehow the XXXX XXXX XXXX charge was changed to XXXX XXXX. We then called chase at ( XXXX ) XXXX and opened a case. I was told to call back to get the status after a few days. On XX/XX/XXXX my husband was told his case was won and I too should have a similar outcome. On XX/XX/XXXX, he received a letter stating that his request was denied. I am now out of the return window at XXXX XXXX XXXX so I called to speak with a supervisor to find out how this " bait and switch '' and outright lying could have happened. Another case was then opened to review the phone call were I was told that a credit would be forthcoming. Case number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-19
Company: Source Receivables Management LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  hired Sourc e Receivables Management to c ollect money from an account that was past due and they tried to threaten me with harming my credit and suing me if i did not pay even though i never ever had an account with  XXXX  and was not the person that owed the money I called  XXXX  twice to have them fix this problem and on the second call i was notified that the dept collector was notified on  XXXX   XXXX  to stop calling me and to cease and desist any dept collection from me today is the  XXXX  of  XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: SYNCHRONY FINANCIAL
State: TN
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 Account # XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan s late for their 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 2017-06-19
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the second complaint with CFPB an d Caine and Weiner. My  first complaint was  XXXX .  Caine and Weiner respond ed with a response that the debt is verified. The company 's determination of verifying a debt is to send a copy of a bill. That is not verification. I requested in writing twice, certified mail, read receipt, to verify AND validate this debt is mine. It is not! I have This right under Secti on 609! I  have the right to request and receive " the name of the person under which such person conducts business and the address and telephone number of that person ''. I request proof the debt is mine. This proof/verification/validation will not surface because it does not exist. A copy of a bill does not suffice, nor fulfill my request. If  Caine and Weiner  can not provide this, I want this account removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had a all rights reserved from XXXX XXXX and someone stole it from a XXXX or chime banking account took so long to respond bc I've been a victim of XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX SC this happen 2018 plz help also account ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: ERC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2020, I received a collection notice from ERC in the amount of {$1400.00} It identified a creditor a debt amount, I promptly sent them a letter advising them I did not now nor have I ever had an account as they described. 

I just received another letter from ERC for the same debt. I have drafted another letter and indicated it is my second written notice disputing the validity of that debt. 

They never responded to my first letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
for the past week I have been attempting to either have my prior membership re-established or file a new application as a member of Navy Federal Credit Union. i have spoken to agents on the phone as well as using their online application system. After filling out online form I received an email stating that I needed to complete the application process by logging onto the website. And despite entering the user ID, password and application ID I was given I keep getting denied access with a message, " unable to locate user ''. The phone conversation ended with, " It must be updating the system. Try again in 1 -- 15 minutes. Indeed, I 've been trying again for hours with no success. These XXXX must be XXXX XXXX if they think we have hours to waste on such nonsense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX fraud applications with AMEX on XX/XX/2022 and XX/XX/2022. 
XXXX fraud application with XXXX on XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Citi checking and savings account XX/XX/22 with a {$30000.00} transfer from my checking account with another bank. On XX/XX/22 2 days after I was making a {$5000.00} transfer from my Citi savings account to my brokerage account, I received a notice that my transfer to my brokerage account did not go through. Upon further investigation, I found through the Citi app that both my checking and savings accounts had been blocked from my access. I have not as of this day XX/XX/22 received any formal text, call, or e-mail, or mailed statement telling me that my account has been blocked. 

The first time I was able to contact a representative, he stated that my account had been flagged for fraudulent activity and that my account was now blocked and any funds would be returned to me by check in 30-60 business days. I requested further information and was told that there was a fraudulent alert issued by the other bank account that I had originally transferred funds to the savings account from. 

Upon investigation with my other bank, they stated that this was a false statement as they do not flag fund transfers between bank accounts and that there was no record of flags ever having been on my account. 

This led to my second attempt to contact Citi which led me to a second representative who again stated the same scripted statement that my account was blocked, would be closed, and that I would receive a check in 30-60 business days. I pushed for any kind of background information after voluntarily offering to confirm my address as well as the last 4 digits of my SSN. At this point she simply wished me a good day and hung up the line. Note that each phone call takes approximately 10 robotic messages to reach a human representative. 

The funds that i've deposited in my Citi accounts make up roughly 90 % of my liquid funds as well as my full emergency fund that i'm able to pay my bills with, buy groceries, etc. Any kind of interruption in my regular income will most likely affect any financial stability that I currently have.

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 2017-06-20
Company: JPMORGAN CHASE & CO.
State: UT
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a go kart for my son in XXXX of 2016 for {$980.00} using my Chase Visa/debit card. When I received the product in pieces in a box, there were several tears in the roll bars and the seat, the headlights and gear lights were n't working, the go kart would only turn to one direction, there were missing bolts, and the exhaust pipe has fallen off. I tried contacting the company, XXXX XXXX XXXX, dozens and dozens of times via email and phone and would only get the run around or hung up on. I contacted Chase and they issued the refund and started doing an investigation. I received a letter from them last week that they found the charge to be valid and they would be pulling that {$980.00} back out of my account. When I called them to ask how they thought it was valid, they stated that XXXX XXXX XXXX had given them a document that I supposedly signed stating that everything was in good working order. I told them I had never signed anything and I asked for a copy of what the company sent to them in order to prove that the charge was legitimate. They told me I could go to a branch in order to get the documentation quicker, which I did. The bank manager and I sat down as he attempted to get the documents. While on hold, he was doing some research on the company and noticed that hundreds of others had the same issues with this company and he said that it 's clearly a fraudulent company. Once we received the documents, we looked at the signature that was just a bunch of swirls and then he pulled up my signature in their database and could immediately tell that the signature was not mine, but was forged. I later called the claims department and they said there was n't anything they could do because even if it was forged, they provided something to them and that 's enough to validate a charge. I called back a couple of days later and thankfully someone in the claims department took some more time into looking into this case and he stated that it clearly was forged and they should have caught that it was n't my signature since they hinged their whole decision on it and he urged me to file a complaint with CFPB.

Company response to consumer: Closed with explanation