BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-02
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My JPMorgan Chase credit card bill was due on XX/XX/2022. 
The amount of this bill was approximately {$350.00}. 
I paid this bill on XX/XX/2022 using direct deposit XXXX XXXX out of my XXXX XXXX checking account. 
I have written Proof-of-Payment that the above amount was withdrawn out of my XXXX checking account on XX/XX/2022. 

For XXXX straight days post XX/XX/2022, JPMorgan Chase kept claiming that it did not receive any payment from me. They charged me a late fee of {$28.00} and a transaction penalty fee worth approximately {$10.00}. This error from Chase 's side damaged my XXXX credit score. 

I have voice confirmation from XXXX XXXX representatives claiming that there was a problem with the Chase 's XXXX XXXX receipt system. 

This problem is now resolved, and Chase has reimbursed the fees that it had charged me, but the damage to my credit score still persists. 

I would like to complain that Chase 's technical problem with its XXXX XXXX system caused an impactful and irreversible damage to my credit score. Why should my credit score be damaged by a mistake that I had no part in playing?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have had this capital one credit card for over 7 months, each time I ask for a credit increase it has denied me. I called and asked if I can speak with the reconsideration department due to all my credit card limits are over XXXX I'm trying to understand why I would have a {$300.00} credit limit. The senior Customer Service rep was so carefree and not interested in my concerns, she advised its nothing that can be done and that managers do not take calls that she was it. She also advised filing the XXXX XXXX XXXX. When I asked about filing a complaint on her customer service provided, she advised I need to hang up and call back. I am very disappointed in the level of service I received with XXXX employee # XXXX. Leadership showed no customer service at a time where they can make a different.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My name is XXXX XXXX. My checking & savings account with chime was closed out of the blue with no warning & ask me for documents which I provided & then said I wasnt able for refund for my remaining balance in accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The card that I have is a rewards card with an annual fee of {$89.00}. I have had the card for 7 years and 8 months. Over time, the rewards program on the card has become uncompetitive as compared to my other credit cards or products in the market. I wanted to downgrade my product to a no-fee option, with the same company, so that I can maintain my credit history whilst getting rid of the annual fee ( which no longer adds value ). I was told there was no downgrade option and if I wanted to stop paying the annual fee I would have to close my account. Essentially they are holding me XXXX! As you know if I close the account and open a new card, my credit score will be negatively impacted.

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 2022-07-02
Company: Experian Information Solutions Inc.
State: LA
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:
XX/XX/2022 XXXX XXXX XXXX please remove fraudulent unauthorized inquiry off my report or provide proof in writing wthin 30 days.

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 2023-01-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a checking account and a credit card relationship with Wells Fargo Bank. 
On XX/XX/2023, I received a FORM XXXX XXXX from Wells Fargo Bank claiming that I had a Box 3 income of {$8500.00}. The form had my correct name, address, and last four digits of XXXX. 
On top, the form said the statement could be a XXXX information return, XXXX mortgage interest statement or XXXX student loan statement. I do not have a mortgage or student loan with Wells Fargo. I have checked my credit report and confirmed this. 
I called customer service. They could not find any information on this form. 
I visited the bank. They could not find any reason why the form was provided. 
I'm at a loss to understand what to do. Obviously, the form had to be generated by a system. Why wouldn't Wells Fargo not be able to find out which system generated the form and for what reason? 

My fear is this is a repeat of the fake accounts scandal where someone internal has used my SSN to open some accounts and evade taxes.

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 2022-06-08
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citi bank sent me an email ( attached ) with offer of {$700.00} if I open a new checking account and maintain a balance of {$50000.00}, which I did. They still have not provided the {$700.00} bonus. 
I requested the bonus via chat and 2 phone calls. Both phone representatives agreed that I met the requirements. I received 2 letters ( attached ) rejecting my claim for the promotion bonus. Neither letter explains why Citi will not honor the solicitation of their bonus promotion. The chat confirmed I met the requirements. 
They enticed me to open a new checking account and deposit {$50000.00} for 60 days under false advertising.

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 2022-12-02
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I paid extra payment on the end of my lease {$490.00} as a credit and when I called for refund adjustment the financing department refused to refund the extra amount I paid and they are requiring more payments on top of what was agreed my lease

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 2022-12-02
Company: Experian Information Solutions Inc.
State: LA
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:
After reviewing my credit report I see an account that was not authorized by me and a collection that does not belong to me. I have contacted the police and reported this as fraud and was told to follow up with you guys. XXXX XXXX XXXX is on my credit report seeking a {$1000.00} collection for an account I have no knowledge of. I have never done business with XXXX XXXX XXXX. The credit report says it was opened on XX/XX/2020, and acct number is XXXX. I request an investigation in writing, and a return receipt requested from the credit agency.

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 2023-10-02
Company: KEYCORP
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Last couple weeks I opened an account with Laurel Road and set up a direct deposit amount of {$2500.00} into it. Days later I tried to send my money back to my external bank account but unable to access to my own money. I ended up added my external account as a payee and sent the amount to it. The transaction went through and I have got the confirmation code, but it been days and my external account still not received the money yet. I emailed the bank and asked about my situation but theres no response for days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 Upon checking my credit report I saw a few disturbing inaccurate accounts on my credit report. These account were not authorized or have a permisable purpose to be on my personal credit credit report. 
I an aware of 15 USC 1681c which states a consumer report will be kept confidential. Please remove this account from my credit profile immediately. This action is effecting the way I live. 

XXXXXXXX XXXX  XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
Someone has been trying to apply for credit using my name. The following Credit Inquiries are NOT mine nor did I ever consent or authorize any of these companies to pull my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-27
Company: HYUNDAI CAPITAL AMERICA
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 information incorrect

Complaint:
Re : Hyundai Motor Finance Lease Agreement, dated XX/XX/XXXX Account Number : XXXX Leased Vehicle : XXXX HYUNDAI XXXX XXXX XXXX XXXX : XXXX Hyundai reports to ( 3 ) credit reporting agencies that I am past due $ XXXXAttached are receipts that show not only that am I not past due, but paid more than the agreed upon settlement offer of {$4800.00}. 

{$1200.00} paid to XXXX XXXX Acct # XXXX XXXX  # XXXX and {$4900.00} to XXXX XXXX XXXX XXXX XXXX. 

Listed below are complaints to the cfpb from XXXX regarding the adverse actions I have received related to inaccuracies and unwillingness, based on the responses to the cfpb, to correct errors. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX current one XX/XX/XXXX XXXX  Dispute- # XXXX Hyundai states it previously received no letters from me which is a blanket statement that anyone can make on their behalf and to their advantage. Attached are certified return receipt of a XX/XX/XXXX correspondence along with a copy of the letter digitally signed.

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 2023-10-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my second attempt to resolve this investigation I asked ALL three bureaus to investigation and update my STATUS UPDATED. Still it said on my credit report this last time it was updated was XX/XX/2023 and if this report was generated on XXXX XXXX then no such investigation was done. So, I'm asking please hold these three company responsible by removing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have included a police report number XXXX bage # pc. XXXX for XXXX XXXX these accounts are not mine please remove

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 2023-11-10
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Upon reviewing my most recent consumer report, I have observed the inclusion of bankruptcy entries, which I believe violate 15 U.S. Code 1681a ( 4 ) regarding the Consumer Right to Privacy. Specifically, it has come to my attention that these bankruptcy claims should not be present on my credit report, and it appears that my personal information was utilized without my consent, constituting identity theft. As a victim of identity theft, I am aware that there are both criminal and civil liabilities associated with these inaccuracies. I intend to escalate this matter to the next level of action promptly. Kindly rectify these discrepancies urgently and without delay.

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 2023-08-04
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:
In accordance with the Fair Credit Reporting Act. The account listed under my credit report as US DEPARTMENT OF EDUCATION has violated my federally protected consumer rights to privacy, as well as my confidentiality under 15 USC 1681. 
ACCOUNT NUMBER : XXXX ACCOUNT NAME : US DEPARTMENT OF EDUCATION 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 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report ( s ) containing any of the following items of information. Any other adverse item of information other than records of convictions, of crimes, which antedates the reports by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) States : A person shall not furnish any consumer reporting agency if the person knows or has any cause to believe that the information is inaccurate. 

Experian, XXXX, and XXXX have reported I have a overdue balance on this account for 39 months. They then sent this account to collections without my written authorization or consent. The collections agency then continued to report this false information on my credit report history, negatively affecting my credit health to creditors, and third party companies. 

This inaccurate report of my credit report, and history from Experian, XXXX, and XXXX of the balance and lack of payment has permanently, and negatively reduced my credit score for many years due to false reporting, inaccuracies, and these three agencies in question are responsible.

These inaccuracies are preventing my ability of receiving higher credit scores, better funding opportunities for home loans, car loans, and overall improving my credit health.

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 2022-08-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22 my Wells Fargo checking account was breached and funds were stolen via XXXX payments. In a short period of time, my email contact information was changed, I was unable to access my account online, and a XXXX account linked to my Wells Fargo checking account was opened unbeknownst to me. I have never used XXXX nor have I ever set up a XXXX account. 
I woke up the morning of XX/XX/22 to many text and email messages indicating that multiple XXXX payments had been made and that several more were processing. I called the bank immediately and asked that my funds be frozen. I filed a fraud claim with Wells Fargo, terminated my checking and savings accounts and opened new accounts with them. I also ordered new checks and a new ATM card. I also changed my username and password and changed the contact email back to its original address. 
XXXX XXXX payments of {$100.00} were sent to recipient I do not know ( XXXX XXXX with an email of XXXX ). The fraudulent contact email that was temporarily used on my Wells Fargo account was XXXX. 
I never created the XXXX account and I never authorized these transactions. These transactions were made from 2 computers on the East Coast and one in the midwest. I also asked the fraud specialist ( I spoke to multiple resolution specialists and mangers ) never to allow a XXXX account to be associated with my accounts in the future. On XX/XX/22 another attempt was made to set up a XXXX account. This time I called immediately when my contact email was again changed. This time the email was XXXX. 
After filing the fraud claim, I heard back from Wells Fargo that they were closing the claim. Their reason was that I had authorized the transactions. That is untrue. I never authorized these transactions. I knew nothing about them until I received the messages about the XXXX payments. That authorization was part of the fraud. 
Ive tried to bring this claim to the attention of a more executive branch of the bank, but Im contacting you for help. These large banks have created XXXX, which is immediate and irreversible. Its a flawed product that they should take ownership of and responsibility for. I feel very strongly that I am a victim of fraud and should be credited the {$800.00}.

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 2022-07-29
Company: EQUIFAX, INC.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: SAN DIEGO COUNTY CREDIT UNION
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: Old information reappears or never goes away

Complaint:
SAN DIEGO COUNTY CRE Last reported XX/XX/XXXX {$340.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance $ XXXX  Monthly payment -- Opened XX/XX/XXXX ( 6 yrs, 1 mos ) Term

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Services is going against the mortgage terms that I signed and has been collecting escrow and not paying it for homeowners insurance or taxes. In my loan terms both are supposed to be escrowed. I called them numerous times and have not gotten a resolution. 

Fay Services is supposed to escrow for both taxes and insurances for my account. They have been taking money out of my account for escrow and not paying my insurance or taxes. After a long battle with Fay Services they sent me a check for my homeowners insurance. At first they said my account has only been escrowed for taxes and that's why insurance is not being paid. Now they are saying my account is set up for insurance but not set up to escrow taxes. According to my closing documents and the people serviced my loan before them my account is supposed to be setup to escrow both INSURANCE AND TAXES. They are illegally not following the rules of the closing documents which states that escrow be collected for BOTH HOMEOWNERS INSRUANCE AND TAXES. This company has not followed the rules of the closing documents and are choosing to break the law. I've asked them to review the documents and update the account and do an escrow analysis a lot of times but they refuse to do that and instead make excuses and lie and say the account has not been setup for escrow. Instead of reviewing the closing documents that I signed and setting up the account correctly By law they are not allowed to setup the account the way that they choose to, they have to follow the documents that I signed.

Company response to consumer: Closed with explanation