BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I visited a Chase ATM outside one of its branches ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) to deposit {$9500.00} cash ; however, the machine displayed that only {$8300.00} was deposited. I canceled the transaction, but only got {$8300.00} back. In other words, the ATM ate {$1200.00}. I immediately talked to the branch manager to try to resolve the issue. After calling a separate department at Chase, she told me they would investigate ; in the meantime, they issued me {$1200.00} " missing credit claim ''. 
On XX/XX/2023, they clawed back the {$1200.00} " missing credit claim '', without providing any specific/meaningful explanation. I visited the branch and talked to the branch manager again ; however, after internal investigation I was told that they could not find evidence that the ATM ate the {$1200.00}. Over the course of the past several weeks, I tried multiple times to escalate, without success. They told me the case ( case # XXXX ) was closed. 
I suspect that the investigation was done by junior employees who either did not care or did not understand how ATM works. This whole situation is completely unacceptable, and I am hereby seeking help from CFPB. Much appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit 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:
My card was used for an unauthorized charge in the amount of {$1700.00}. Do they indicate that I accept the term, when I do not authorize them to process the payment and even so they did, I am very upset because they continue to charge me for a hotel stay that we did not go to or enjoy and to top it off I have to pay? I do understand that in extreme cases the hotel charges one night as a guarantee if I had authorized the reservation, but that was not the case and the hotel or the agencies involved and the bank are defrauding me for {$1700.00} dollars. I want an immediate resolution to this case, we are not going to continue procrastinating on this matter. I also communicated with XXXX XXXX ( XXXX XXXX  ) XXXX in these cases and helps consumers to recover their money. As soon as they finish putting together their case, we will also go on the news because with this situation I will not stay calm, I will go to the last consequences, but my money will appear. It is unfair that my bank does not agree with me when I am benefiting and consuming it, and it is also very frustrating that they delay the matter to let time pass and I can not manage the return of my money. Understand that I did not authorize paisly to charge this money there must be a recorded call including the agent XXXXXXXX XXXX XXXXXXXX accepting that it was a mistake and that they would return the money to me, but it was not like that, even if they show otherwise, of course not to lose a case they are capable of fabricating any falsehood, but the law protects me and that's what I'm doing. We will surely end up suing all the parties involved if this case is not resolved in the best way, because this is scam and fraud at the same time and I want my rights to be validated at once. Do not respond to the consumer that they need more time, simply resolve this dispute and if you are going to communicate with me, let it be entirely in XXXX. Thank you for solving this situation once and for all.

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 2023-08-31
Company: ZIONS BANCORPORATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have had an issue with zions bank i know i had the reported charges that werent mine that were reported and i had spoken to a banker about that on the phone and at the branch i do want to express my appology for reporting those charges to you guys that was totally uncalled for i have a major XXXX and it was totally uncalled for. There has been issues with regular banks versus credit unions regarding fees and all sorts of stuff i just want to appologize for that fiasco and apologize to the president and co-founder of zions bank for the issues that i have caused. I just wanted to have my own account and they chose not to have me as a customer my old account number was XXXX and im deeply sorry for all this chaos that was caused i just would like to be compensated for the issues i dealt with zionsbank i just want to see if zions bank would be willing to compensate any sort of money and help me out here i think they handled it very horribly i know i made a huge and honest mistake and im just trying to get this resolved with a relief and monetary compensation for kicking me off their banking system and being rude to a XXXX man but i do want to say im sorry for the charges that were reported as fraud that was a mistake but ill learn from this one. I even asked if i could get my own account and they denied me but its all good just really sucks seeing if you would be able to compensate me at all thanks

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 2023-08-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a call from an automated machine claiming to be from Wells Fargo. I hung up immediately, thinking it was a fraud call. 

The caller called back and this time a person was on the line. They asked me about XXXX different transactions that had been made on my account. I told them that I had not authorized those transactions. 

The caller said that they would need to freeze my account and send me a new card. They also asked me to reset my PIN. They said that the fraudulent transactions had been made at an ATM on XXXX XXXX. They even gave me my home address, which they said was where my new card would be delivered. 

The caller then sent me some codes, which they said were needed to access my account to open a new account since mine had been compromised. I gave them the codes, believing that they were from Wells Fargo. 

The caller then withdrew {$700.00} and {$300.00} from an ATM in XXXX XXXX. They had also transferred {$1500.00} from my savings account to my checking account before making the withdrawals. ( XXXX of my XXXX savings accounts is displayed on the ATM screen. ) Wells Fargo filed XXXX claims : XXXX for the ATM withdrawals and XXXX for the unauthorized transfer. However, Wells Fargo denied my claim, saying that they would not refund me because I had provided my PIN to the caller. They said that they only cover unauthorized transactions that the customer did not know about. 

I argued that the transfer was unauthorized and therefore a separate claim. I am still waiting to hear back from Wells Fargo.

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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To Whom It May Concern, I made an uninformed decision on XX/XX/2016 when I entered into this consumer credit transaction. The only evidence they have is the agreement, and since there is no evidence of indebtness and because of this uninformed decision this contract is null and void. It was not clear and conspicuous.

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 2023-09-04
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Please assist. On XXXX XX/XX/2023, I requested from the bank holding my mortgage to provide the mortgage investor ( s ) 's information to include name and address, and copy of any of the investors rules or guidelines related to loan modification to be sent to me urgently in writing under the RESPA Act. 

I made this request to XXXX XXXX, aka XXXX, at XXXX XXXX, Request for Information, XXXX XXXX XXXX, XXXX, TX XXXX via XXXX regular and Certified Mail XXXX XXXX XXXX XXXX XXXX. 

They letter was marked as received on XXXX XX/XX/2023 at XXXX XXXX. I have not the information I am entitled to know under the RESPA Act as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Americas Car-Mart, Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have experienced hardships after loosing my job 3 months ago. I communicated this with them and I continued to try to better my situation. This made me unavailable to repeat myself everyday and I simply waited until I had an update to reach out. The car did not have an up to date inspection on the vehicle when I bought it. It was a couple of years past due. I had to get another one in order to get the car plated. The starter was going out from the month I purchased the car it was only intermittently so every time I took it in it suddenly worked. A manager that previously worked there told me that I did not have to pay the full amount for the repair when it finally went completely out. He no longer works there. This was two years ago. Suddenly during the time when I have no job, the service that I believe was paid suddenly pops back up on my account and suddenly after a year or two it is now urgent that I pay it. I feel like the last couple of times I spoke with someone they are misleading and deceiving. I thought I was signing a payment arrangement when I came into the office on XX/XX/2023 or XX/XX/2023. I never recieved a copy of what I signed and when I was signing nothing was shown to me. When I called earlier to let them know about an issue with my bank, I was told that I had no payment arrangement. I have been in contact with a lawyer to discuss options as I also was antagonized by a new employee there who was very condescending and unrealistic despite me telling them the truth about my situation and paying what I could when I could. I asked for this person to be blocked from my information and account and was told by the owner XXXX that that was done. I found out today that that was not the case. Ive never had such a problem with them. Ive been without work before and they were extremely helpful with giving me at least 24 hours to find the money outside on the ground. Now Im hearing of all these other possible ways that they can help me that were never offered to me. My payments were never lowered. Despite me being told that they would be. They are not letting me pay on my car note at this point, I can only pay for a repair that I dont even think I owe. They always claim to help but essentially that is only when you can keep up with making high weekly payments. They claim to be honest but none of them are. My car is pretty much paid off and Im starting to feel like this is a scam. Ive always been honest and have consistently made the payments for my vehicle. Because of their hours it hasnt always been on time because I havent always had time to come in. I feel like they are a little underhanded. I have heard all bad things about them and Ive always defend them. This time its my turn to see their true colors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Commercial Acceptance bought my SSN and DOB, ILLEGALLY FROM XXXX XXXX WITHOUTH MY KNOWLEDGE NOR CONSENT. AND THEN USED STOLEN MY PERSONAL IDENTITY TO PLACE A DEBT COLLECTION ON MY CONSUMER REPORT. FURTHERMORE, THEY SOLD MY PERSONAL IDENTITY IDENTIFIERS TO XXXX XXXX. THEY PURCHASED MY INFO BACK AND THEN PLACED THE SAME DEBT WITH MORE INTEREST ONTO MY CREDIT PROFILE. I WANT THE CFPB TO PROSECUTE COMMERCIAL ACCEPTANCE FOR VIOLATING UNFAIR PRACTICES IN COMMERCE AND FOR IDENTITY THEFT, AND SELLING MY IDENTITY to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions 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:
I received a copy of my credit report and I have found the following items listed below to be in error. 

Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I NEVER gave You, Experian any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due tothe abusive and unfair practices.

You, Experian, should be ashamed of yourself for ASSUMING this role and position to constantly commitfraud and cause harm to consumers!

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS orPAID AS AGREED.

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 2023-06-08
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX XXXX XXXX  back in 2022 to settle an auto loan debt. I worked with XXXX XXXX and made my payments directly through her totaling {$10000.00}. I was told that I would get a pay for delete. The debt has been settled a year now. I was given a notarized satisfaction saying debt has been settled in full. XXXX XXXX XXXX  never removed it from my credit as promised and is also saying I still owe {$6000.00} on the debt. I have filed several disputes as well as contacted XXXX XXXX several times with no resolve. XXXX was XXXX in the way she treated me. Once the debt was paid she stopped answering calls and e-mails as well. The credit bureaus are advising it is nothing they can do as the XXXX is advising I still owe the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST

REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDE R 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHO
UT MY WRITTEN INSTRUCTIONS.

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 2023-02-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX BANK XXXX Balance XXXX : {$2800.00} ; XXXX XXXX XXXX Balance Owed XXXX {$10000.00} ; XXXX CARD XXXX Balance Owed : {$15000.00} ; XXXX OF XXXX XXXX XXXX Owed : {$3500.00} ; XXXX BANK XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
It seems like every year the credit bureaus removes all of my history rating data and every year I have to come back and file a complaint in order for them to fix it. I have contacted the creditors, XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX Department of Education by way of the student loan database to see if anything has changed and it has not. All account have been reporting through the national student loan database since 2004, while reporting all transfers and consolidations, as " paid consolidated accounts '' the credit reporting agency has the status as multiple statuses not matching what is being reported by the creditor. I have consolidated 6 times since 2004 with the last 4 consolidations being removed by XXXX, XXXX and Experian. Now they are removing my history ratings from those installment loans and am being givin a hard time for them to put the information back. That is close to 20 years of installment loan history removed from my credit report and the loans are NOT CLOSED!

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 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This person Is reporting late payments to XXXX, XXXX, and Transuion without the consumer consent. This company also have broken a law. 15 U.S. Code 1666b I have never received a letter 21 days before due date. I only recieved mail telling me that I am in danger of repossession. Which violates law 15 U.S. code 1692j - furnishing certain deceptive formsPlease remove all late payments account - XXXX XXXX account number - 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 2023-03-08
Company: EQUIFAX, INC.
State: MS
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:
XXXX XXXX XXXX XXXX XXXXXXXX Delete these accounts immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Exeter Finance Corp.
State: MI
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:
The balance being reported by is not accurate. The outstanding balance stated for this debt is {$7900.00} last I checked. This balance also clearly lacks the credit of the GAP insurance purchased at the time of the vehicle purchase on XX/XX/2019. The GAP insurance was refunded at a prorated amount due to the cancellation of the contract as a result of Exeter and their unwarranted repossession. It is obvious that either the selling dealership or Exeter has failed to include the GAP insurance refund in the so-called unpaid balance following the auctioning of my XXXX. The finance contract signed by myself, and my co-buyer XXXX XXXX has been modified to state that I XXXX XXXX was the co-buyer when in fact Iwas the Buyer. It is inaccurate to report that XXXX XXXX was the buyer when he did not require a co-buyer to make the purchase. I XXXX XXXX was the one that required a co-buyer due to my lack of credit worthiness. Please assist me in getting the account corrected or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Palisades Funding Corporation
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:
I was trying to get a loan for a car and I realized that u had some damages on my credit report, according to the 15 USC 1681 law there should not be any damages on my report, it is a defamation of my character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation