BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-29
Company: JPMORGAN CHASE & CO.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Chase Bank has willfully violated 15 U.S.C. 1681 S2 Responsibilities of furnishers of information to consumer credit reporting agencies, and other violations of the Fair Credit Reporting Act. On XX/XX/2021 I sent Chase Bank 2 ( two ) US Mail Certified letters. I requested a goodwill credit card adjustment on 3 ( three ) separate credit card accounts that I purchased, and had reassigned the credit card debts to myself. My request falls under 15 U.S.C. 1681 s2 of the Fair Credit Reporting Act, which I had stated in the two requests. Chase Bank received the requests on XX/XX/2021. On XX/XX/2021 I spent 3 hours on the telephone with Chase Bank representatives. They told me that they could not and would not help me. I sent the first request to the Chase Bank Correspondence UniXXXX in XXXX, OH and the other one to their Chief General Counsel XXXX XXXX XXXX via certified mail. While on the phone with a representative, they did admit that they did indeed receive the two request by looking up the US Certified Mail tracking number. They stated to me during the telephone conversations that they could not and would not help me. I do believe that their actions prevented me from exhausting my Administrative Remedy Process. I wish to submit this official complaint and request that you investigate this matter in your official capacity. also I am enclosing all of the documents that I had Sent Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THE XXXX XXXX XXXX HAVE XXXX ACCOUNTS XXXX & XXXX BOTH IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2022-05-04
Company: Glacier Bancorp Inc.
State: MT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2022 I recieved this text which I know is a scam XXXX XXXX : Your Account has been placed under review. Please visit https : XXXX to prevent further account closure

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: TRUIST FINANCIAL CORPORATION
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a loan with Sheffield Financial to purchase a riding lawn mower. I receive electronic statements into my email each month. I have paid my payment every month on time. I discovered while making my XXXX payment online that something happened with the XXXX payment I made online and it was not reflecting as paid. Immediately I paid a double payment because it was not my intention to be late. Sheffield 's internet records should show that I was logged into the account and on the payment page. 

Today I pulled my credit report and discovered that Sheffield is showing XXXX XXXX past due in the month of XX/XX/2019 but current after that. 

As a result, today I called Sheffield Financial and explained the situation and they refused to adjust the XXXX past due reflection on my credit report. 

I did not receive a late notice to inform me that my payment did not go through the online system effectively. I also did not get charged a late fee. Companies like Sheffield should send notices to consumers if they are late on their payments so that if something inadvertently happens online, they would have an opportunity to correct the situation. 

It has been XXXX  years since I have had a late payment on my credit history. I have worked very hard to not let this happen. XXXX inadvertent late payment is now going to affect my good history for XXXX  years.

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 2016-08-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have notified Equifax on many different occasions that the following addresses do not or have never belonged to me. Please remove the following addresses from my credit file : XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: OCEANFIRST FINANCIAL CORP.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking account starting XX/XX/21 to today.went into over draft status ... ocean first bank manipulates their system to over draft my account..this is the third time..and I noticed its when the government sends out stimulus money ... I'm confused how I over drafted..and really confused how they charged me over 12 {$38.00} fees ... The bank says I wasn't in the negative until XXXX but it started XXXX I watched the app on my end start to be manipulated..So its hard to give exact dates and transactions..I get paid direct deposit and they rejected my deposit {$100.00} on XX/XX/XXXX and also on the XXXX of XXXX for {$68.00} both from XXXX. This has happened a few other times and I had to just pay it to stop the snow ball affect your account being in the negative causes ... Ocean bank this time has costed me {$600.00} as of today... please help me get through to ocean first bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-29
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Lease was up on XX/XX/2020. Security deposit of {$520.00} withheld. They had repairs of {$340.00}. I should get a check of {$170.00}. Instead they say I owe an additional month of rent, 40 % late fee and half of security deposit was non refundable therefore does not go to the {$1000.00} balance they claim I owe them. It is in collections and effects my credit score. I moved out before XX/XX/2020. And have proof.

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 2020-04-07
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Citibank offered a promotion where they offered XXXX dollars if you opened a new account for XXXX and maintained the account for a specified period of time. I signed up for the promotion and set up the account. They indicated that the account must be funded within 30 days of opening the account. I sent the paperwork in immediately after opening the account to transfer the money ( XXXX ). They waited the 30 days before making the transfer.I called up and spoke to a representative and they said they would honor the promotion because I had sent in my transfer form in a timely matter. They now say that they will not honor the promotion.

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 2015-08-21
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Due to our payment due date ( XXXX XXXX, 2015 ) falling on a Saturday, Chase posted an announcement on Chase.com stating that payments received by Monday, XXXX XXXX, 2015 would not be considered late. On Monday, XXXX XXXX, 2015 at XXXX EST, I made our monthly mortgage payment on Chase.com from an External Checking Account. According to the information displayed on Chase.com online payment screen, the cutoff time for " same day payments '' from an External account is XXXX EST and XXXX when paying from a Chase account. 

There is an error within Chases online payment system that Chase is ignoring. I presented this same issue to Chase about a year ago and see that it is still a problem with classifying payments made from External accounts prior to XXXX EST as Same Day payments. 

Not only for myself, but other consumers, this gap is causing consumer to be billed late fees in error and potentially causing delinquency for some. When I spoke to the representative in Chase Online Banking department on XXXX/XXXX/15, they said they were unable to make any adjustments due to the payment posting after XXXX/XXXX/15 when they clearly see that I made the payment at XXXX EST on XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 I received an unsolicited wire communication via text message on my cell phone from Wakefield & Associates ( " Wakefield '' ). They are a debt collection company. The communication included false representations and fraudulent pretenses. I am aware that I am the Original Creditor for the alleged debt they attempted to collect from XXXX which is funded by my open end credit plan. I NEVER gave my direct consent for Wakefield to communicate with me at all. Their company is guilty of committing wire fraud. 

On XX/XX/2021, I called Wakefield and spoke to a representative by the name of XXXX. I included a copy of the call recording via the email address that was provided to me on the call : XXXX. The employee stated that she could view my full social security number. This constitutes identity theft. Pursuant to 12 CFR 1022.3 ( h ), " Identity theft means a fraud committed or attempted using the identifying information of another person without authority ''. I never consented to my information to be shared. I also issued a cease and desist to XXXX prior prohibiting them from communicating with 3rd parties and debt collectors. 

I mailed a complaint and invoice to Wakefield that they received on XX/XX/2021 as evidenced by USPS Electronic return receipt. I still have not been compensated. 

I spoke to a few representatives of the company on XX/XX/2021 and they informed me that they were no longer able to access the alleged account. That did not fully resolve my issue. I demand compensation and I am willing to sign a non disclosure. 

I spoke to a representative named XXXX on XX/XX/2021 and was told to leave a voice mail and my call would be returned the same day. It is now XX/XX/2021 and I still have not received a call back. I did issue a cease and desist to the company but I included a stipulation where I do allow communication with me regarding remitting payment for violating my consumer rights and invading my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX, DE 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 explanation
Consumer complaint received 2016-01-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I HAVE BEEN MADE AWARE THAT SS # XXXX HAS BEEN REPORTED UNDER MY NAME AS WELL DOB WITH : EQUIFAX AND MAYBE THE OTHER CREDIT AGENCY AS WELL. 

I NEED TO GET THIS RESOLVED ASAP AND HAVE IT REMOVED OFF MY CREDIT REPORT. 

I HAVE ATTACHED MY XXXX I USED FROM XXXX RIGHT OUT OF HIGH GRAD. UNTIL XXXX. 

I HAVE ATTACHED MY SS # CARD I USED SINCE XXXX WHEN IT WAS ISSUED BY THE SSA OFFICE. 

MY TAX RETURNS FILED FROM XXXX USED XXXX. 
MY TAX RETURNS FILED FROM XXXX USED MY SS #.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THE XXXX 'S XXXX  OF XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2022-05-04
Company: HYUNDAI CAPITAL AMERICA
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
We refinance our car loan with Kia Motors Finance through our local credit union. Our credit union sent the funds on XX/XX/XXXX and confirmed that the funds were received by XXXX on XXXX. We called on XX/XX/XXXX, XXXX and XXXX to confirm if XXXX had received our funds and applied the payment to our account as our payment was due on XX/XX/XXXX. We were told continually to call back to check. It was only XXXX that a 'ticket ' was submitted to look for the funds. Unfortunately, there is only a 10 day grace period, and the turnaround for the ticket was supposedly 5 days. The end of the grace period is the time for the turnaround of the ticket, which could affect our credit score.

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 2015-07-15
Company: DISCOVER BANK
State: IL
Product: Credit card
Issue: Credit determination

Complaint:
Since filing for mortgage assistance several years ago, my personal credit was wiped out starting with XXXX XXXX XXXX as my mortgage holder. The only credit card I currently have is Discover. I received a letter from them two months ago stating that they would not be renewing my card which expires in XX/XX/XXXX. I was fine with that. I have been paying XXXX the required amount for some time now. I was watching my Fico score ( which they provide for free ) go from XXXX to XXXX. I received an email today stating they were increasing my limit by {$800.00}. By doing so, it DECREASED my Fico back to XXXX. I never asked for this limit increase and why would they do this if their plan is to terminate my account? 
I was not expecting my business to fail in XX/XX/XXXX nor was I expecting my signed XXXX contracts with my customers to fail. I believe this is a fraudulent tactic on the part of Discover ( who is tied to XXXX who also terminated all my other accounts ) to keep me from ever being able to rebuild my credit. I refuse to use their card again and will pay them off as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced our home on XX/XX/2013 and reduced our payment to {$1400.00} per month. 
But after a couple of.months the lender is sending bills for XXXX. 

They are adding another another item.colled.other fee and collecting un authorised money from us. 
We called the customer care. 
They told me If I am not.paying it they may forclose me. 
I am XXXX and surviving with XXXX small. children

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-01
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am about 7 months past due on my mortgage due to loss of income. I now have sufficient income to make my mortgage payments again due to being a XXXX veteran so I submitted a modification package to this company on XXXX/XXXX/16 because they are trying to foreclose on XXXX/XXXX/16. They confirmed that they have a complete package and it is in review even sent me a letter to confirm yet they refuse to postpone the sale date until they have a chance to review. I told them this is called dual tracking and is illegal. They said they did n't care and will not postpone the sale date. Please help me, I want to keep my home. I served this country and in the process became XXXX and now I 'm losing my home. All I want is to keep my home now that I have the sufficient income and I am not even that behind on payments. Help me please!

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 2022-04-16
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Previously filed dispute with chase credit card while I was incarcerated. Requested application with signature that opened this credit card account. Chase sent back an document that was not an application with my authentic signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: GA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Affirm Holdings, Inc
State: PA
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:
My name is XXXX XXXX. I paid off the balance with Affirm and sent in all the paperwork stating that it was paid off. They sent the balance to a different company XXXX who has also been paid off in full. I paid this balance in XXXX and have been trying to get them to get this off my credit or confirm that I have paid. The confirm that I paid but refuse to do they part. Its has been 6 months and they are paid but will not report such. Please if you can help me with this. Im in the process of buying a home but this is holding we up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: HOVG, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Bay Area Credit and XXXX XXXX XXXX companies have received my number in error. They continue to call though I have explained their area and asked to be removed from their call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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:
On XX/XX/2022 I sent out a letter to all 3 credit bureaus ( XXXX, XXXX, Experian ) about them reporting several inaccurate names and addresses. I received a response from XXXX on XX/XX/2022 that had an issue date of XX/XX/2022 acknowledging the receipt of my letter but questioning if I had sent the letter or had help. I decided to call of 3 on XX/XX/2022 to request that the incorrect names and addresses be removed. XXXX said they removed all incorrect names and addresses. XXXX said they removed all incorrect names and addresses. When I called Experian, I spoke with a representative XXXX stated to me " Though you say that name is not yours it is being reported by a creditor and therefore we can not remove that name. '' I stated, " but it's not my name '' and he reiterated that he can not remove the incorrect name. After going back n forth for 10 minutes I asked if I could speak with his supervisor. He continued to insult me and tell me I don't know my laws and refused to put a supervisor on the phone before asking me to hold and then hanging up after placing me on hold.

According to 15 USC 1681s-2, reporting information that a consumer reporting agency is aware is inaccurate after notice by consumer that the information is inaccurate violates consumer rights and therefore Experian is not in compliance.

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 2018-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
bank of america is billing me for 3 purchases that are not mine these are fraudulent purchases to my account I contacted boa regarding this and was advised that I needed to pay the bill and if the charges are found to be fraudulent the money will be credited back to me. This was the telephone conversation I had trying to resolve this issue so I am forced to pay out of pocket for items I did not order and if I don't there will be an interest charge of up to 18 % applied to my unpaid cc balance. The other stipulation is if boa agrees the charges are fraudulent then I get my money credited to my account not refunded but credited.

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