BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My bank, Chase, has raised my loan rate 8 times for a total of XXXX basis points since 2021 but has not raised my XXXX XXXX savings account rate by a single basis point and still pays me virtually XXXX on my savings. Why are they permitted to get away with that. It is just another example of big bank greed at the expense of mom and pop savers!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 a inquiry was made on my credit was not authorized by myself by XXXX XXXX I myself did not ask for this or know anything about it. 15 U.S.C 1681i ( a ) states that all information be correct by finding of thorough investigation if not this must be DELETED from my credit report! Furthermore 15 U.S.C 1681 states to credit bureaus that I have a right to privacy as well as confidentiality as they have an obligation to fair and accurate credit reporting.

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 2022-09-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did not open this account and incur this unpaid balance. Someone, other than myself, wrongfully used my personal information to obtain a line of credit/service. Ive been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Credence Resource Management called several times about a debt do not have a middle name / can not give me SS number/ keeping asking me to supply it/ not address / no company I owe can not verify anything / feel as though they are fishing for info/ when I told them I was going to sue them they hung up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
in regards to what is going on i have a collection account with Kimball trey & ST John due to an unlawful detainer through the XXXX courts. they claim that i owe them XXXX when the documents that i retrieved from the XXXX county courts say that i owe XXXX in which i have contacted them twice and offered to pay them the XXXX and they refuse to except saying that the XXXX was attorneys fees.and the Memorandum clearly states that the attorneys fees our only XXXX i sent them a copy of the paper work and i told them they where giving false statements to the credit bureau. i did disput the claim and the credit bureau said do an investigation and this was the next step that i am taking .what ever help i can get it is very much appreciated .Thank you in advance Sincerliy

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been a Wells Fargo customer since 2015 and time after time I have been charged for random things and then acquired an overdraft fee when charges werent even made by me. I would report the charges and then they would look into it and then they put overdraft fees on for thing I disputed because it was not me. This has been happening since I opened my account with them. They have reported falsely on my credit and destroyed my credit because of payments bouncing back for low funds when my card was being charged in different states and they refused that it was fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Delete hard inquiries listed below:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, XXXX  and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: CA
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  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-12-24
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have funds available in my checking account at TD Bank that I can not access, I have paid them what was owed and closed my account but they refused to close it and will not release my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received communication from this company saying I owed a debt to them from XXXX  XXXX XXXX XXXX. I have never had insurance through XXXX  XXXX XXXX XXXX. This is result of fraud. I have submitted a ID Theft affidavit to them to stop this because it is not mine and I do not want this to report on my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Around XX/XX/XXXX. All my remaining derogatory accounts referencing my bankruptcy were purged. XXXX XXXX was the last one. All had exceeded the 7 year DOFD rule. about a month latter ( XXXX XXXX XXXX ) I noticed that this creditor had changed the information on an account previously listed in good standing to discharged in bankruptcy. This account had been listed as closed as of the day of my bankruptcy. In reality it was closed 5 years prior. Why did they suddenly start reporting this account back in XXXX. I now know. It seems that they were aware that that my accounts included in the bankruptcy were over 2 years old when I filed limiting their reporting to 5years. They hedged their reporting by letting this account sit idol until it was the only thing left. They then started reporting the bankruptcy on that account. Upon contact they admitted it was wrong and after more than 6 weeks latter issued a letter of correction but they have not stopped reporting this account as included in bankruptcy. It corrects then a week latter its back again. The problem is that every time it re reports. My credit score drops 50 points, as the bureau thinks its a new bankruptcy. They appear to be correcting it but its still going on 3 months later. I have sent the bureaus a copy of their correction letter but they fail to investigate and it keeps re reporting. Trans union says verified on XXXX XXXXXXXX XXXX. XXXX says verified on XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-08-24
Company: TMX Finance LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a title loan in 2020. I was NEVER told the loan needed to be paid in full within 30 days. Needless to say I have been making payments on this XXXX loan for over 2 years. I pay over 200 per month and they make me " sign renewal forms '' every month. They told me I would make monthly payments on paying it back NEVER saying within a 30 day time frame. I have paid OVER 5000 $ $ on a XXXX loan so far. I can NOT afford to pay the lump sum. The APR Is XXXX XXXX. What can I do? Is this even legal???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a signup offer of spending {$1000.00} and get : 1. 30000 XXXX XXXX miles. 
2. {$100.00} statement credit. 
3. Free Companion fare ticket XXXX {$99.00} XXXX. 

However, after I spent {$1000.00}, I received only 30000 miles but not 2 and 3. I called BOA and the customer representative had no idea what I was talking about and even transferred me to XXXX XXXX to ask for my statement credit. 

I have no clue in how to request {$100.00} credit card statement from XXXX 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 monetary relief
Consumer complaint received 2022-08-24
Company: Caliber Home Loans, Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I found out after closing that Caliber included a parcel of land on the XXXX work that was not part of the loan. The loan was a refi of my house which is on a XXXX acre parcel and that is all that was appraised and included in the refi. However, another XXXX acre parcel that i own was mistakenly included in the title work so, it is showing on title search that Caliber has a lien on it as well. I have been trying to get this fixed for almost 2 months. The loan originator, title company and Caliber admit it was an error and have been provided with corrected title work but, still have not filed the correction with my county. This is preventing me from moving forward on a project on my XXXX acre parcel. Every time i call, i am told it has been escalated but, nothing has been done. I was told last week that it would be resolved today but, when I called, i was told it was still in review!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX REPORTED : XX/XX/XXXX ( 30 DAYS PAST DUE ) XX/XX/XXXX ( 60 DAYS PAST DUE ) XX/XX/XXXX ( 90 DAYS PAST DUE )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX REPORTED ON MY ACCOUNT AND TO CREDIT REPORTING AGENCIES ON XX/XX/2021 THAT I WAS PAST DUE 30 DAYS.

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 2017-08-14
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX/ TARGET CREDIT DATE ACCOUNT OPENED XX/XX/XXXX BALENCE : {$450.00} DATE OF MAJOR DELINQUENCY XX/XX/XXXX THIS IS NOT MY ACCOUNT. I LOOKED AT MY CREDIT REPORT IN XX/XX/XXXX AND FOUND THIS ACCOUNT THAT IS NOT MINE. I ALSO CONTACTED TARGET AND MADE THEM AWARE. THEY WENT TO ALL 3 CREDIT BEAUROS AND REPORTED IT AS OF XX/XX/XXXX AS MAJOR DELIQUENCY. I ALSO DISPUTED IT WITH THE 3 CREDIT AGENCYS. THE LADY AT TARGET CUSTOMER SERVICE TOLD ME SHE DIDNT CARE ABOUT ANYTHING I WAS SAYING AND JUST WANT A CREDIT CARD OR BANK ACCT TO COLLECT THE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Coinbase, Inc.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
On XXXX XXXX, 2017, I transferred XXXX bitcoins from my Coinbase " vault '' to my Coinbase Bitcoin wallet. As of this date the transaction has not been " approved '', leaving the money not accessible and unusable. The support team at Coinbase has not responded to my many requests for help or action on the problem. There is no way to get directly in touch with anyone at Coinbase. I have since withdrawn all my money from my USD Wallet. I am in fear of loosing the XXXX bitcoin, which is today worth {$2000.00}, a considerable sum.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: CITIBANK, N.A.
State: MS
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 credit card account, and received a letter ( see attachment ), stating they can not verify the information in my application and to call a number to speak with a rep within 30 days or the application will not be considered. SO I called the number on the letter and got nothing, was not able to speak to anyone, and I still have no specific letter stating the reason ( s ) /explanation as to why the credit account has not been established as of today 's date XX/XX/2022, ( in accordance with the FCRA ). 

I have a right to know /receive a letter stating specific reason ( s ) why the account has or has not been set up. There is nothing wrong with my credit ( I have several other credit cards and all are current ). So there's no reason why the application should be denied. The letter says Citibank can not " Verify '' the info in my application, why is that? Opening a " secure credit card '' account with my " OWN Deposit '', is what I want to do.

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 2022-09-30
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Around XX/XX/2022, XXXX XXXX XXXX contacted me via phone about an outstanding balance of {$1400.00} that was opened under my name, but it wasn't me. The address associated with such account was not in PA, where I've lived for the past 10 years, and I indicated such with them as well as the fact that my identity was stolen and people tried to open several accounts with my identity, thus I already froze my credit report and put an alert with the 3 credit bureaus. They said okay and hung up. 

No more calls from XXXX XXXX XXXX or their agency until XXXX when I started receiving calls from Sunrise Credit Services , Inc for the XXXX & XXXX account balance above. I explained to them again all the above information, the collection agency then mailed me a fraud claim package that I later filled out and submitted to XXXX XXXX XXXX together with my proof of residences. No communications from XXXX XXXX XXXX besides the acknowledgement of claim receipts. 

On XX/XX/2022, Sunrise Credit Services , Inc. called me again and said XXXX XXXX XXXX declined my dispute and indicated the charge was valid. I can't contact XXXX XXXX XXXX directly to get any information about the application or the charges that were opened under my name. I don't even know what the charges were related 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 2023-03-21
Company: Unifin Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received text messages from this company with no description of the supposed debt. There is a line at the bottom of the text that says " reply STOP to stop texts '' I have done this twice and am not unsubscribed. I do not believe this is a real debt collection attempt. A real debt company would send a letter in writing with the ORIGINAL creditor to the address they have on file. I will not respond to this supposed debt collector until I receive a letter explaining the supposed debt and where it came from. Stop calling and texting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Chime Financial Inc
State: CA
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:
I have like 50 inquires from chime XXXXXXXX XXXX XXXXXXXX XXXX like XXXX i didnt do that i told them my information is fraudelent i was a victim of idenity theft while i was paying for there idenity theft protection XXXX XXXX dollars they claim i aint heard a pip from them when i told them they need to reimburse me my idenity got stolen while i was using yhere premium service i have a debt with XXXX XXXXXXXX it was a secured credit card so how do i have a debt??? This a scam they scaming me. How can i be in debt on a secured credit card??? Makes no sense they legally robbing me

Company response to consumer: Closed with explanation