BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-30
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have a Chase Freedom Credit Card and received a credit refund of {$5400.00}. I called the company around XX/XX/ and requested that the money be transferred to my checking or savings. I was told that I would receive an e-mail or a check in the mail with the refund to deposit it. I called around a week later and was told my check is still processing and it would take 7 to 10 business days. I called again on XX/XX/ and asked for my refund and was told I would receive an e-mail. I never received email. I called today on XX/XX/ and was told that since I called more than one time asking about my refund that they reset my request and prolonged my refund now I have to wait up until XX/XX/ to receive my credit refund. I was never told this the first 3 x I asked for my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The only thing I want The chime bank investigation team to call the Dispute Resolution Department : ( XXXX ) I disputed to my chime bank from the merchant in XX/XX/XXXX. I also emailed Support Chime many of evidences include the letter from the dispute resolution department. The investigate team declined me three times and did not call Dispute Resolution Department to verified. 

On The month of XXXX, the merchant sent {$1300.00} to my wrong old card and it went directly to Dispute Resolution Department as charge back and they held my money and I have No idea where my money goes. 

I tried To call the Dispute Resolution Department but they stated that my chime bank need to contact me and refuse to speak with me about my fund. Im so upset and frustrated because I did What I could To get my fund back to my right card number. 

I NEED CHIME INVESTIGATION TO CALL Dispute Resolution Department : XXXX so I can Get my funds back to my account. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In the last six months I was looking at cars. I had a used car dealer run my credit 8 times that I did not authorize. After a few months I saw my credit report and was shocked I had so many inquiry 's on my Experian credit report. I did not authorize these inquiry 's. These inquiry 's should be removed from my report. I should not have to wait 2 years for these unauthorized inquiry 's to be removed. These inquiry 's are negatively effecting my ability to use my credit. There should be more control over people who run citizens credit when it is so important. I have been told this happens a lot at car dealerships this is very upsetting.

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 2016-01-24
Company: DISCOVER BANK
State: WI
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
In XXXX of 2015 I was approved for a Discover Card, which I have used responsibly. I have always made my payments on time and never gone over my limit. Well, Twice in 2015, Discover Card lowered my limit in an unjustifiable manner. Each time they lowered the limit so low as to make it seem as if I was maxing out my Discover Card and this was not the case. Each time they lowered the balance in this manner it makes it seem like I am managing my credit card poorly and causes my credit score to go lower because it looks like my card is maxed out. I find it completely unacceptable that they can do this to this customers without any regard to the long term impact their customers will suffer from doing this. Twice, they have lowered the limit to {$29.00} above the new lower credit limit they have set for me. I started out with a limit of {$1000.00}. Then, Discover lowered it to {$780.00} and left me {$29.00} available and once again they have lowered it to {$500.00} and left me {$29.00} available. I pay my cards with the intention on being able to use them again if I should need them, but Discover Card 's activity really makes me regret working so diligently to keep things paid down. I am now preparing to purchase a second home and I have to wonder what this sudden decrease is going to do to my credit score. It is truly a sad thing that customers have no protection against the decisions of these big card companies. I do n't know if the decision to lower my available credit is based on racial profiling or not. I could understand if I was late on my payments or constantly going over my limit, but neither of those are the case. I have a great job, making $ XXXX a year, and that is not including my spouses income. I am just confused by this entire situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have had difficulty receiving my free annual credit report from experian. At the last step it directs me to mail them information. This is inconvenient.

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 2015-11-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX/XXXX/2015 person ( s ) unknown attempted to open or opened an account with XXXX/XXXX XXXX, XXXX. XXXX XXXX, XXXX, OH XXXX, telephone number : XXXX. I became aware of this due to a fraud alert on Experian Credit. I need to have this investigated to determine if the account was opened, closed, etc. also, if my credit report was requested then a hard credit inquiry would be on my credit report. I need to have this removed. I am calling XXXX XXXX to find out what information they have developed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Dear CFPB, Once again USAA/MasterCard has brought unwanted problems into my life by providing, without my permission or authorization, updated credit card information to vendors for credit/debit cards which I and/or USAA have CANCELLED. 
The latest debacle is playing out now. I 'm on a XXXX to XXXX, Texas. I arrived yesterday and rented a car from XXXX at the airport in XXXX, TX. Today, I checked my USAA checking account and discovered XXXX ( XXXX ) unauthorized charges from XXXX for {$310.00}, a total of {$630.00} drained from my checking account. " How could this be? '' I 'm on official travel and made the reservation through XXXX who should have charged my government VISA card for the car rental. What happened? Well what happened is this. I 'm a XXXX and XXXX ( XXXX ), yes XXXX debit cards ago, I entered my personal USAA debit card into my XXXX profile. I never, ever provided my personal debit card to XXXX for this transaction because it was a business trip. However XXXX " pulled '' my new credit card information and charged my debit card, not once, but mistakenly XXXX ( You can get the details from XXXX XXXX ( XXXX ) XXXX, billing supervisor, XXXX XXXX XXXX, XXXX, OK ). Bad on XXXX XXXX for charging the wrong card and charging it XXXX and they are correcting the problem. 
But the bottom line is this ; none of these problems would occur if USAA would stop providing canceled credit/debit card information to vendors without my permission. 
Regards, XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter from U.S Bank relaying they are closing all my accounts with them with no apparent reason of to why they have come to this decision. My parents opened a minor account with me at XXXX XXXX XXXX and have been banking with U.S bank since then. Over 28 years of service with them. I have never given them an ounce of issue with my accounts. I have had direct deposit for over 7 years with them, a car loan, and a lime of credit which all have been paid and paid off on a timely manor. Never defaulted on any of their loans. Yet their industry can not give me a valid reason on to why they decided to close my accounts with them. I would like to know what the reason is to help resolve any issues they may have or ease any scarce thoughts they may have.

Thank You

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 2016-09-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Citizens Bank charged me an overdraft fee of {$35.00} even though I never overdrew my account. First the supervisor said a cash deposit I made was a check. Then she looked further and realized it was cash. Then she said I would have overdrawn my account if I had not made the deposit and therefore I was charged an over draft fee. I did n't overdraw my account and should not be charged an overdraft fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
To whom it may concern, I mailed several letters of dispute last one being certified on XX/XX/XXXX in regards how XXXX Mortgage is reported on my credit report. Once again within a few days it comes back as verified. XXXX is reportinb me to be anywhere from 30 to 90 says late and being over 100,000 behind. They only purchased my mortgage in XXXX from another servicer. In XXXX I obtained a government modification which at that time my acct was at a XXXX past due and my new payment became XXXX a month. It does not add up. I am given the run around when it comes to verification. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of 1681 ( a ) ( 4 ). Under section 611 ( 5 ) ( A ) of the FCRA it states the CBA is required to promptly DELETE all information which can not be verified.

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 2016-07-02
Company: Lloyd & McDaniel, PLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt collection agency is confusing me with someone with the same name. Even after letting them know that they have the wrong person ( when they tried to garnish my wages ) they have continued to try to collect the debt, threatening to garnish bank accounts. The worst part is that the legal notices of the garnishment attempts are going to the correct person, but the actual garnishment attempts are against me -- so I do n't have an notice of the activity until it happens. 

The debt collection agency has ignored all communication from me, and refused to give me any thing official to say that they realize that they are going after the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been with Amerihome Mortgage since closing in XX/XX/2018. Currently, I'm enrolled in a program to pay my mortgage bi-weekly. We recently changed bank accounts which required me to update my account information with Amerihome. I contacted Amerihome by phone and email. I emailed in a new drafting form 10 days before my payment was due. Amerihome failed to update my information timely, which resulted in an attempted draft on my closed account. I contacted Amerihome by phone numerous times and not a single person was able to assist at getting my information changed. I finally mailed in the same form with a check for the amount that was returned from my closed account. 10 days later, they have yet to process my payment nor my new drafting form. I have called in numerous times and nobody is ever able to assist or offer a solution to solving the problem. This company is a nightmare at trying to handle the smallest issues of simply making a payment. I am now concerned by their lack of timely action that they may attempt to report a late payment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to get my annual free credit report on line for year 2015 and Transunion will not give it to me because they ask questions that do not apply to me. They apply topply to another person whos information Transunion keep wrongfully adding to my credit report. This happens every year and I have to spend many hours complaining and filing law suits in Federal court just to get my credit report from them. Then the information is incorrect and I have to start all over again every year getting the same information taken off my credit report. It is against the law for them to hold wrong information on my credit report and then due to that wrong information they refuse to give me access to my credit report but allow the other person access to my credit report. Please make this idiot company give me my credit report as this is again affecting my credit and my employment. 
The questions they ask me are did I live at XXXX? which I did not, Was I known by another name of XXXX? which I have not, I have only EVER been known by my own name. Then am I associated with XXXX? which I am not. Due to my giving the correct answers to these questions Transunion again have denied me access to my credit report. It took most of the entire year last year to get this information corrected and once again they have added it back to my credit report when I IS NOT MY INFORMATION. Please see the very many complaints I had to make last year to get my report and then to get it corrected. Now we are back to square XXXX again and they have caused me to lose XXXX jobs because of their NEGLIGENCE

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
The company Credit Acceptance is reporting a car loan on my XXXX credit report which does not belong to me. It has already been deleted from XXXX and XXXX XXXX but they insist on reporting it on XXXX. I have never been to the state of Minnesota where the loan was obtained and the car purchased. The Loan is in the amount of {$9300.00}. I even paid for the XXXX report on said car and do not recognize any of the information displayed on it. I have disputed with XXXX as well and they refuse to delete this information. I am not able to close on a house due to this fraudulent information. I have also opened a ID theft case on the government website. Please help!

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 2016-12-02
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
I RECEIVED A CALL FROM A COLLECTION COMPANY NO NAME OF THE COLLECTION COMPANY WAS GIVEN THEY STATED I OWED XXXX ASKED HAD I BEEN SERVED I ASKED FOR THE DOCUMENTATION THEY SAID DO YOU WANT TO PAY THE XXXX I STATED I DONT KNOW WHAT THE CHARGES ARE FOR I AGAIN ASKED FOR THE DOCUMENTATION AND THE COMPANY NAME TO CONTACT LEGAL COUNSEL THEY STATED THEY WILL BRING DOCUMENTATION TO COURT AND HUNG UP

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Over the weekend I get notifications from myfico that my report has changed. I logged in and noticed that XXXX and XXXX was removed. About 30 seconds later, XXXX report inquiries from XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX was also removed. Minutes later these collections and inquiries was added back on with a missed payment from a collection agency, XXXX! On XX/XX/XXXX, I called TransUnion and spoken with a supervisor name, XXXX. I 've asked him do they verify any information before placing it on ones report, because a collection agency should n't been able to place a missed payment on my report which brought my payment history down and affected my score. He became extremely hostile and rude. I immediately asked for his name and the spelling, he spelled his name and slammed the phone down loud!

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 2015-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am trying to review a account in which I am a authorized user and am not liable for the account, no one will will help me without a account number, I do not have that information. They keep hanging up on me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is an account listed as in collections from Oregon XXXX XXXX XXXX. I have this account set up on automatic debits from my checking account for monthly payments. I have never missed a payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There 's are XXXX XXXX accounts that do n't belong to me that I did not give my permission to open nor did I give my authorization to any goods or services to

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 2016-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is ignoring my numerous requests to investigate, verify and remove accounts from my credit file that do not belong to me.

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 2021-09-30
Company: Trident Asset Management, L.L.C.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2022 I received a credit notification alert stating that a new account has been added to my credit report. I reviewed the alert from the XXXX app and observed that a new AMEX account was added to my report. After further investigating the account, I learned that this account is my wife 's XXXX XXXX AMEX account which I am just an authorized user on the account. I called on this same day and asked AMEX to remove the account from my credit report because I am just and authorized user on the account and the not the primary account holder. AEMX refused to remove and told me the only way to remove the account is if I close my card associated with my wife 's account. I told AMEX that this statement was inaccurate and made a second request, but they still refused to remove the accounts. Since they continued to refuse to remove the account, I then asked to close my card associated with which they agreed to do.

Company response to consumer: Closed with explanation