BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a business credit card for XXXX XXXX XXXX XXXX  with my banker at Chase. It was for a chase business ink card. 

Despite my multiple attempts and the credit pull showing up on my report, I never got a response if I was denied or approved. I called many times and Chase could not let me know. Here we are over 7 months after the application and still no sign of a decision. I think Chase got very busy with PPP and Covid, but still, the logic escapes me as to why I would get a hard pull and no decision. That has never happened to me before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Experian Information Solutions Inc.
State: IN
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 checking my credit report in XX/XX/XXXX, I discovered 2 items on my credit report that were not mine. One was a Chapter XXXX bankruptcy, and one was some type of financial company/lender. They were disputed with all 3 major credit bureaus, and both were " verified '' according to the bureaus. I contacted the organizations ( Federal Bankruptcy Court XXXX  District of Indiana and XXXX XXXX XXXX ) early this year, and was told they had not been contacted by any of the bureaus. A second call to each of them on XX/XX/XXXX found no one from Experian had contacted them about my credit listings at all. Of course, Experian lied about this, and then said " oh, well, we didn't contact those you disputed account with directly. We did it via XXXX XXXX ''. When confronted, their argument fell apart. 

In XX/XX/XXXX, I sent registered letters to all 3 bureaus asking for the method of verification, details on who they spoke with to verify, what documents were submitted to verify, etc. XXXX  and XXXX complied. Experian did not. After 4 phone calls over the past two weeks to Experian, they claim that they " don't have to comply '' with any method of verification, and will not do so. Even after sharing the details of the FCRA and FACTO laws, they refused. Finally, on my last call to them today, they kept " dropping '' my calls when asking to speak to either the legal department, or consumer protection office. These calls were all recorded, and can be provided to you. 

I am adding copies of the registered letters, which Experian received well over 30 days ago, police report, mail receipts, etc. As an investigative journalist, we hear these types of complaints often, and in the last year, every day. Experian 's willful ignorance of the laws they must follow, and intentional disregard for the consumers they are to " protect '', must stop. And, since they won't comply with the laws, treat customers poorly, and continue to harm those who dare confront their illegal practices, they must pay for these transgressions. No stranger to class-actions and court cases in general, their attorneys will be very busy, and once again lose, to those of us harmed by their actions. Please consider additional fines and sanctions. Along with state attorney generals and the courts, they will be made accountable.

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 2017-02-06
Company: WELLS FARGO & COMPANY
State: HI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
i purchased a vehicle from XXXX 10 % interest rate 2 nd loan with wells fargo payment was XXXX $ monthly i was upside down XXXX $ my loan was, my amount financed was is XXXX XXXX payments i got about 2 years of payments asked for a pay off quote had saved some money was going to attempt to pay the car, from the XXXX XXXX ask what the pay off was they said it was XXXX $ still i asked for my records of my payments i received about week and half look at my payments XXXX $ they fluxiate a little about XXXX $ interst a month was never notified this ever shown this in it says 10.9 percent i researched called wells fargo since the dealersshio ask for the loan i my behalf was never notified 40 % interest have called wells fargo numerous times ask them if they could consolidate they said its not the procedure i am in a loan shark loan this why i am still making payments on time want to get out this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Regarding Wells Fargo, XXXX XXXX credit card number XXXX that is apparently 8 days late. According to Wells Fargo I missed the last payment of {$46.00} due on XXXX/XXXX/XXXX. Payment history is XXXX/XXXX/XXXX - {$50.00}. XXXX - {$100.00}. XXXX/XXXX/XXXX - {$100.00}. XXXX/XXXX/XXXX - {$92.00}. The XXXX XXXX payment according to my records was the last payment due to Wells Fargo. 

On Sunday, XXXX/XXXX/XXXX while eating dinner with my family I received a call from Wells Fargo representative XXXX ( ID # XXXX ) attempting to collect the debt of {$46.00}. To my astonishment I quick signed into my online banking portal to assess why this past payment was not made. After explaining to XXXX that according to my records all payments were made ands the debt was satisfied he declined to waive {$240.00} in penalty interest. I requested to speak with a supervisor, XXXX ( ID # XXXX ) who also failed to make any exceptions to the penalty interest. 

After learning the last payment of {$46.00} was accidentally not sent, I immediately triggered a payment to be sent on XXXX/XXXX/XXXX however this was not satisfactory to XXXX or XXXX. This is the fleecing of America. 

Respectfully requesting regulatory support to identify a genuine honest mistake for the relief of {$240.00} in penalty interest. 

This is simply not fair. Anyone with common sense will see that this was a genuine mistake.

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 2016-04-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
An unauthorized transfer was made from my account to XXXX XXXX ; a dispute/claim was filed but could take months to resolve. I contacted XXXX XXXX, they gave the error code XXXX and told me to contact my bank ( Wells Fargo ). No one seems to know what XXXX is, but a simple XXXX search shows it 's an unauthorized transfer from the originator. It 's in the amount of {$250.00} on my account. This complaint is in regards to the unauthorized transaction with hopes that the money will be returned to me faster than your claims process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been in contact with Equifax over and over for a while now and they have been a big help. However I still have so errors reporting on my credit report. I lost my social security card and someone else was able to open accounts in my name. I recently filed an identity theft report with the FTC for this reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The following case has been filed before this. The case # XXXX. The problem is the last resolution that was sent from the company had the wrong amount of money owed backed to me. The total garnishment they took was {$4600.00}. They had since sent a check in the amount of {$3000.00}. I was asking for a remaining balance of {$1900.00}. This is to equal the amount of {$5.00}, ooo.oo. The balance over the garnished amount was for loss wages and mail correspondence to be reimbursed. I denied the companies resolution, they reversed the amount shortening me {$20.00}. This should of been paid months ago. It is now ordered they should only be fair and pay interest on this money they refuse to send me. I believe thee rate they were charging me for garnishment was 12 %. I believe that is what I am owed. They had stalled for 3 months. 3 months at 12 % if {$1900.00} equals {$940.00}. Please have then send a new contract I will gladly sign. They have to get a new way for me to send it. I do not live I a big city and do not have access to a XXXX drop box. The nearest one is 45 minutes away. I believe I should not have to spend any more money on the account they garnished and deemed fraudulent. The total amount owed to make this whole is {$2900.00}. Note I have all documentation already submitted in previous complaint. The proof of amount garnished from my XXXX XXXX. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Privacy

Complaint:
Capitol One credit card company makes collection telephone calls to numbers they obtain and maintain in their file that do not belong to the credit card holder and are family members, NOT THE CREDIT CARD HOLDER. Additionally, they are leaving personal information on the generic voicemail 's ( the voicemail does not identify who the phone belongs to ) relative to the credit card holders name, the reason for the call, the company they are calling from and they are willing to work out a resolution to resolve the collection issue. When I called them to advise they are calling family members and leaving this information, they requested I give them the numbers of all family members so they can remove them from their file. I explained the person that they seek to contact does not live in the USA and does not have a telephone number, therefore, there should be no number on file at all. It appears they are using public information to obtain the numbers of family members without regard to privacy laws. I have made several telephone calls to Capitol One and am transferred to several departments. I am asked the same question, " which numbers should be deleted from the account? '' I respond the same way. ALL OF THEM. I also have reminded them in each call, several times that leaving a message for a specific person, with specific private information on a generic voicemail is a privacy violation. This needs to cease. If they are doing this to one person, I am confident they are doing this to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is XXXX of XXXX debts reported on my credit report, This complaint is directed to Capital One Bank NA ( as shown on my credit report ) listed under a court docket, it is stated " satisfied ''. 

However, this judgment was not mine. I had contacted the courthouse in regards to this and tried to get it removed but was told only the creditor could remove it since they were the ones reporting the information. 

I do not understand how this is possible since I would think that a social security number would need to match the associated name with the account as well as the court docket. I had tried my best to dispute this claim and actually made several attempts to get this removed with the credit bureaus and nothing was done. 

I spent a good work week worth of hours trying to get this resolved, but there is only so much i can do since I am working XXXX hours a week. I was not contacted at all by the creditor. I was not contacted to confirm any information reported. No letter of notice was sent out and was not given any opportunity to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Delinquent account

Complaint:
Made about {$90.00} charges on Capital One credit card in XXXX of XXXX. I forgot that I had charged anything on the card, because this is my emergency card, and did n't pay until XXXX of XXXX, when I got the report that I had a 30 day past due account from my credit monitoring. I called, talked to the representative, offered to make {$120.00} dollar payment to bring the account to {$0.00} balance, she accepted. Evidently, she did not adjust off the less than {$1.00} service fees that remained, nor did she tell me they were there, nor did she note anything on my account. She said it would take XXXX to XXXX statement cycles to show everything current. 
Still not correct in XXXX, called back in, and they adjusted off service fees since payment in XXXX, and was told that it would take XXXX to XXXX statement cycles to show everything current. Credit report as of XXXX shows payments in XXXX and XXXX were 30 and 60 days late. 
Called back in XXXX to get credit report fixed, and am told that they can fix XXXX, but not XXXX. Agent agreed that it was their fault, but said that she had already gone above and beyond what she was supposed to do and could do no more. I asked to be sent to someone who could resolve this for me, and she said she was the most senior person that I could talk to, but I could send a letter to their general correspondence address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
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: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a car from XXXX XXXX in XXXX Texas. XXXX XXXX, 2014 I got behind on my payments, I am a college student, they repossessed the car. I paid to get the car out of repossession. I have been paying and am still paying on the car, however, no purchase or payments are showing on my credit report. It is like i am paying on a ghost car. When I called Drive Time/ Bridgecrest, they say they ca n't post the payments on my credit. I just found out about this when I went to go to purchase another car and the y ran my credit. The car is not on my credit report and now it is having repair issues.

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 2020-12-16
Company: Westlake Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX, XXXX XXXX XXXX, on XX/XX/XXXX, XXXX - CARD SERVIC ( the report does not include information about the creditor ) and on XX/XX/XXXX, XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authoriz ation Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I first started with annual credit report website for copies of my credit report. I receive XXXX out of XXXX agency with no problem. Equifax stated online they can not find the report and need more information in hard copy. I email SOcial security card and bill with address as requested. Equifax send back same letter requesting the documents 3 more time with me sending them three more time. Last time I add the information to the certified mail, and letter ask XXXX they need any other information but with no response beside the same letter asking for the hard copies that I sent. 

I file a dispute online with them but no reply was provided after a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: Paypal Holdings, Inc
State: SC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I found tickets from XXXX for XXXX seats at the XXXX XXXX concert in XXXX on XXXX XXXX. I bought these tickets from the seller and payed him through pay pal. The amount was {$490.00}. When I got to the concert the tickets that he sent me were not valid and I had to purchase additional tickets at the door. I have contacted the seller and he keeps avoiding refunding my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: EQUIFAX, 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:
Equifax has stated that the public record remains on credit report as unchanged and that the account has been verified with the furnisher as accurate as of XX/XX/2020. Equifax responded to CFPB complaint dated XX/XX/2020 on XX/XX/2020 that the investigation results should fix the existing problem of my bankruptcy being reported. How is this item verified? Provide me with Equifaxs method of verification by providing the original petition with my signature from the original furnisher of this information. By law the CRAs are required to provide this documentation to the consumer when requested by law in which, Equifax has not provided. Via the Fair Credit Reporting Act it is the responsibility of the Credit Reporting Agency to ensure that the information that the creditor is reporting is 100 % accurate and it is not. Equifax reports contact information for creditor : US BANKRUPTCY COURT-XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX : ( XXXX ) XXXX. XXXX  reports : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX, ( XXXX ) XXXX. XXXX  reports : US BKPT CT GA XXXX XXXX XXXX XXXX XXXX, GA XXXX No phone number available. How is this public record reporting accurate with three different addresses and three different court names.? Via the Fair Credit Reporting Act information being reporting on a consumers report has to be 100 % accurate, timely, and verifiable. In this case it is not. I have attached a letter from U.S. Bankruptcy court that states that they do not furnish, report, verify, or provide information to the CRA 's dated XX/XX/2020. I have provided copy of reports from Equifax, XXXX, and XXXX. I have provided copy of XXXX consumer reports dated XX/XX/2020 and XX/XX/2020 to show that there is no public record of a bankruptcy reporting from the third party XXXX in which you provided to consumer in who you verified public record from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THERE IS A CHARGE OF XXXX ON MY CREDIT REPORT THAT WAS OPENED BY ME ON XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
MY NAME IS WRONG AND PREVIOUS ADDRESSES ARE WRONG I NEVER USED THEM AND NEVER LIVED AT THOSE PLACES

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Paypal Holdings, Inc
State: MD
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
I have been using paypal for my business for 7 years. paypal with out notice or warning closed my account and his holding thousands of dollars that they will not release until 180 days. paypal gave me over XXXX different reasons why they closed my account which include reasons that did not violate their terms and conditions. paypal says they are parting ways however they are still holding private information like an ssn. paypal has caused me severe financial loss and crippled my business. they mishandled disputes in which a buyer claimed they received an empty box instead of an XXXX. paypal refunded the buyer even though i had a letter from a fedex supervisor stating they were there when the buyer opened the package in front of them and indeed there was a XXXX inside. I also provided paypal with an fbi report however they allowed the customer to keep the phone and the money. paypal has caused me enormous losses and this can not be ignored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-08
Company: Alliance One, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
ALLIANCEONE RECEIVABLES in XXXX XXXX, Wa, is truly unprofessional and do n't make things easy as it should be. I tried calling them to ask for a letter to show that everything is done and can move on. But I never got the letter and asked at the end of XXXX And once I completed paying off the debt back in XX/XX/XXXX, they never changed the status of account after it being {$0.00} balance. still showing 'open ' in status. I do not think it should be this difficult to do something that is logic an sensible. For collection agencies like these that not a part of XXXX or anything to govern them, should be changed. it seems they can do and talk to people in any kind of way without using obscene language. I am trying to get my credit together and for this company to be unruly and not do the decent thing is horrible.

Company response to consumer: Closed with explanation