BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-15
Company: U.S. BANCORP
State: OH
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 called in to dispute a charge XXXX XXXX XXXX XXXX keep charging after I canceled then in XXXX of this year. .The rude customer service agent kept asking me to verify who I and my son was. The more I verified The more she went on to the point of hassasment. Her Supervisor was more ignorant and rude then she was telling me they will call back XXXX Hours. After I verified my name DOB expiration on my DL, My Email address, Whats the year and make of my new 2022 XXXX XXXX and she just wouldn't stop, so I put a stop to it. I'm XXXX XXXX XXXX with many credits issue Cards and never been hassas like this.My son takes care of all my business and they seemed to had a problem with how I or he handled mine business. This must be investigated for Elder abuse.. 
My Insurance company is part of these unprofessional US Bank State Farm. I'm lodging a complaint with corporate also about how customers are treated. You can't even redeem rewards points on the site.

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 2022-07-15
Company: Experian Information Solutions Inc.
State: TX
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 Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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 2017-09-06
Company: EQUIFAX, INC.
State: MO
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:
After looking over my credit report. I as of late received a duplicate of my credit report from the credit reporting agency. Which by the way is self proclaimed as being not only accurate and complete but also metro XXXX compliant in the verification of their consumer credit reporting as detailed in the description of XXXX ( their web based automated verification process ) Their exact XXXX  definition ( per http : XXXX XXXX is that " XXXX is a web based metro 2 compliant, automated system that enables data furnishers ( DFs ) and credit reporting agencies to create and respond to consumer credit ... ... '' Due to the reporting i noticed a late payment being reported by XXXX XXXX XXXX which I disputed with them on XXXX XXXX with tracking number XXXX in which they failed to comply and ignored my request after I disputed with the credit bureau and they failed to comply as well on an alleged DEROGATORY late payments DEFICIENT Of required proof of adequate federal reporting compliance namely metro 2 and the FCRA standards of reporting are certainly unlawful, unethical, and undoubtedly in clear infringement of my consumer and or civil court rights. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to HOW, WHEN, and WHY these late segments are notations within my credit worthiness! Puzzled! Left with no response that complies with metro 2. So I decided on enacting my rights to COMPEL, them as required to mandate the alleged data provider of the UNPROVEN derogatory suggestions of late payments to surrender to credit bureau as they surrendered to me an evaluation of my record throughout the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019 my partner and I attended a XXXX timeshare presentation in XXXX XXXX Nevada. I later found out that my signature had been forged to open a trial vacation club package. The forged signature was attached to a authorization of sale in the amount of {$3100.00}. I did not authorize this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ref. CapitalOne 360 XXXX XXXX Account # XXXX Upon receiving a promotion offered by CapitalOne Bank on opening a new savings account with new money and keeping it for 90 days, a bonus of {$450.00} would be added to your account. When I read that promotion online checking my balance on my credit card, I called CapitalOne to confirm what I read and the result was positive. CapitalOne received {$50000.00} on XX/XX/2022 and I expected to see that bonus on XX/XX/2022. 
Checking my account online, but found it's not included. By contacting CapitalOne several times to understand the situation, finally, I was informed the following verbatim " it is correct this bonus for {$450.00} on your account, it has to be there for 90 days, but it's CapitalOne Policy to be added to your account before XX/XX/2022. 

And this is my contention which clearly shows how misleading I have gotten into this racket of financial abuse controlling their customers ' money at their whim. 

Following up my several calls with CapitalOne to let 's know that prior to my engagement with their scheme there has never been any information supporting their claim. Please examine the uploaded copy of email received today XX/XX/2022 following many calls for inquiry with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My complaint is against JP Morgan Chase and its about how long its taking our Modification to be completed. It has been over 4 years, we started trials over and over and every time we get to the 3rd payment they pull the trial process and come up with excuses of needed more paperwork, information etc ... It all started back in XXXX we wanted to refinance and found out we owe more than what the house is worth. We had a 3 in 1 arm and also found out that our mortgage payment was only principle not interest so in over 3 years the amount to be owed went from XXXX to XXXX. No one explained our payments to us, we had a choice of paying 4 different payments. long story short now our house is up on the Auction block due to the fact that it has taken so long for our modification to go through. We do n't want to loose our house over some technicality this bank is doing, it should not take this long for a modification, and every time I call for a update I get a different person with a different answer its very frustrating. I have wrote letters to the bank and to higher ups, sent one to the governor of Massachusetts, I just want some HELP PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: BMW Financial Services NA, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
The XXXX lady tried to stuff 2 products on me! A former XXXX director and mark up 2pts on me! Soon to be charge back after I refi in 20 days! That 's bad business! One thing I never did! Stuffing customers and not actually selling the products! Worse experience ever!!! Know your personnel! And your customers XXXX XXXX was the finance Mgr XXXX XXXX XXXX XXXX automotive group

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
As a result of depositing {$75000.00}, my account was upgraded to Chase Sapphire Account in XX/XX/2019. And my saving account was linked to my sapphire account. After I withdrew the money I visited a local chase branch to make the needed changes so that I don't have to pay fines as a result of requested changes. But I have been charged {$20.00} for the past 18 months totaling {$360.00} which I became aware of very recently as my savings accounts were made paperless ( I did not request this ). I earned a total interest XXXX cents or so during the same period. So I closed the account caught unaware of these fees. I contacted XXXX XXXX of Chase Branch located at XXXX XXXX XXXX, XXXX, XXXX was told that my concern was escalated and I can expect to hear from between 7 to 10 days. It is almost 14 days and I have not heard from Chase. Trying to find why these charges were made by visiting or calling Chase has been a wild goose chase. I am afraid there are other in my similar situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: AZ
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 sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Personal Information PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX Date XXXX : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Not sure if this is where I would report it but I was told id get help with a secure credit building credit card with a minimum low but they said there is no card available to me but when speaking to a person they said they would send me info and start helping me rebuild my credit but again nothing yet??

I've tried to contact them several times but no help.

Not sure if they are taking advantage of me..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-18
Company: EQUIFAX, INC.
State: NC
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:
During the week of XX/XX/XXXX. I attempted to gain access to my credit file and was unable.

After a week of requesting to unlock, unblock, and unfreeze my account. Per Equifax they combined the Fraud credit file and my True credit file together so I could gain access to my credit file.

On XX/XX/XXXX I noticed that the Items Equifax removed in XX/XX/XXXX was put back on my credit file and also New account Ive never seen on my credit file before.

I contacted Equifax CRA department on XX/XX/XXXX and they stated it would take up to 30 days to dispute the items they deleted and the new items they combined with my True credit report ; that was on a second credit report due the ID theft.

Items Equifax verified as not mines and/or fraud, was deleted on my credit report has re-a paired on it ; without No prior written notice to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid off an account in full in XX/XX/XXXX and it is still not updated with a XXXX  balance and stated closed. I have disputed this account several times also since. No outcome

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Bread Financial Holdings, Inc.
State: WA
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:
Hello, RE : XXXX XXXX Alleged Date Opened : XX/XX/2013 Balance : XXXX Actions : Contacted Comenity Bank ( Issuers of card ), they have no record of this account. Filed a dispute with XXXX it was denied because I filed an earlier dispute with XXXX XXXX XXXX apparently did not resolve the issue. XXXX denied me filing another dispute for this erroneous account. 
Issue : Needs to be removed from my credit report. No record of this account. 


XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Im not sure if this is the right place to report this complaint but this is the direction I was pointed to ... the formal complaint is not with my bank as they are already working on an investigation ... my complaint is with coinbase at this time as I am at a dead end until I hear from my bank about the pending investigation. 

Today ( XX/XX/XXXX ) I tried to purchase a pair of tickets from a seller on XXXX   for the XXXX game tomorrow ( XX/XX/XXXX ) night. Initially the seller told me to use XXXX friends & family - which didnt work ; next we tried XXXX XXXX which took too long ( according to the seller ) to receive the money ; then I tried the app I use XXXX XXXX and all four transactions were refunded immediately as they canceled the payment for my protection ( all three were red flags from the beginning ). Finally the seller asked if I had used bitcoin via XXXX ; the seller told me it was secure with a paper trail just in case anything goes sour. Well theres no paper trail of the bitcoin transfer, just an address to where I sent the bitcoin. After both transactions ( two separate transactions for {$300.00} ) went through, the seller stopped responding and wouldnt answer any phone calls. I immediately called my bank & they canceled my checking card and put a hold on my account ; they opened an investigation into bitcoin to try to prove the scam. I called XXXX to report fraud and they said there was nothing they could do ; they also said there was no way to cancel or reverse any transaction. 
I also contacted DC XXXX police & they told me there was no point in opening an investigation with them, that that was the banks issue. 

I have a name ( s ) and associated email addresses that will be provided. The name he used to access XXXX XXXX, and I have the address in which he had me send the bitcoin. I also have a cell phone number he was using - not sure if anything is real or not, but all will be provided. 

Attached are copies of the emails they tried to get me to send money to, along with two different names via XXXX XXXX, XXXX XXXX and bitcoin. Attached also is a copy of the refunded email I got via XXXX XXXX which they canceled the transaction four different times for my protection, a few text message threads with associated phone number and associated bitcoin address.

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 2017-09-06
Company: M&T BANK CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX has " PAID '' electronically on XXXX XXXX, 2017 the amount of XXXX XXXX XXXX dollars and XXXX cents {$520.00} towards my M & T Mortgage loan ( ending in XXXX ) for the month of XXXX 2017, and I am responsible for the remaining balance of {$350.00} as this is my last homeowner assistance payment per the letter I received on XXXX XXXX, 2017. On XXXX XXXX, 2017 I called the M & T Bank General Customer Service phone number and spoke with M & T Bank employee XXXX whom stated that the payment is not there. I called back again after speaking with XXXX XXXX XXXX XXXX and I last spoke with M & T Bank employee XXXX XXXX, supervisor ( so stated ) in regards to my XXXX XXXX, 2017 mortgage payment. XXXX XXXX whom stated that works in the Mortgage Assistance Department with M & T Bank that she would need to send an email to another department that receives the Mortgage assistance payments and will note my account. XXXX XXXX XXXX  program stated that the payment was sent electronically to M & T Bank on XXXX XXXX, 2017 in the amount of {$520.00}, and The PAYMENT is THERE. I find it ludacris that with all that I spoke with at M & T Bank today, XXXX XXXX, 2017 claims they can not find the payment made by XXXX XXXX. Later I went ahead and paid the full amount of the mortgage of {$880.00} online for the month of XXXX 2017 mortgage and want the amount of {$520.00} " CREDIT '' towards XXXX 2017 mortgage payment. The last XXXX  XXXX Assistance payment should not have been returned and the employees I spoke with at M & T bank claims that the last homeowners assistance payment is not there.

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 2020-06-22
Company: EQUIFAX, INC.
State: NY
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:
My credit report is showing my upstart loan as open with a balance. 
This account has been fully paid and closed. Please adjust and correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions 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:
I contacted XXXX XXXX and they informed me they received my payment on XX/XX/XXXX and they will contact the bureau department it was posted on my account and they also said they contacted EXPERIAN AS WELL my credit report still says XX/XX/2022 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 explanation
Consumer complaint received 2022-07-15
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have Escrow ( impound ) account with this Lender to pay Property Tax and Insurance. But, I have paid the property tax directly to the county and requested Escrow Service not to send the Property Tax payment to County and rather issue a refund to me from the Escrow Account. They have received my email and acknowledged stating, they will refund this amount on XX/XX/2022. They have not issued a payment till date ( XX/XX/2022 ) and now they are saying they received Refund from County, but they need to do escrow analysis before issuing a refund. This is not acceptable. 

Document attached : Initial email communication regarding Escrow, Final letter from lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Discover card on XX/XX/2017. During the application process I was told to upload a copy of my driver license and SS card, which I did on their online portal. Then, a Discover representative called me to verify information. The application was declined. When I called into the reconsideration department I was told that they were unable to verify information I provided and the application was declined and the decision was final. If I wanted further consideration, I would need to reapply, resulting in another inquiry. 

I now have an inquiry on my credit report from Discover Card which they say they will not remove. This adversely affects my creditworthiness. 

They did not properly process my request for credit. I have a XXXX FICO score, so it is unusual that I would be declined with that score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX/ {$320.00} / XX/XX/2022 ( Original Creditor : ) {$610.00} / XX/XX/2022 Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report.

Company response to consumer: Closed with explanation