BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I would like for you to look at the fees Ive been charged since 2017 till now. Ive sent you some statements but not sure if it was correct. 

Ive been extremely stressed out especially this month with Chase. I am unable to pay my rent. I am behind 2 car Payment. My car insurance my bill. Since XXXX. XXXX XXXX XXXX XXXX XXXX XXXX I receive SS check of XXXX It was eaten away Since XXXX total of XXXX And sine the beginning of the year till XXXX Sum of XXXX out of that only XXXX has been refunded. With 3 over draft fees XXXX its enough to set me back for days. I work for XXXX XXXX I cant catch up to the total amount because when I deposit money I also have to keep using the card because I have to keep working. I cant open another account to hold off on getting fees. At least be able to eat and keep working having to put gas. So thats why you see all those fees. With the money i make with XXXX and the way chase charges. And if its on the weekend.some fees keep spreading even more even if I had enough money to cover them Monday. Some charges wont reflect day to day of them clearing. So I dont know if its Chase or the merchant Delaying the days for some to post 3 days after the original perches. Because of chase I am getting evicted I may loos my car. And with out work and be homeless. 
It should be illegal. Besides unethical inhuman And plane out wrong for a bank institution to be allowed in-rich them selfs with the hard working people who live paycheck to paycheck They become more profitable by there practices.. the banks borrow millions and millions of dollars to weather people and go bankrupt. But still have money. But banks Feed on the poor to make up for those bankruptcy. Because there more of us to profit then there to try to get money from the rich people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing a copy of my credit report I found items that are reported incorrect and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-07
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
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:
I need assistance in requiring the credit reporting agencies Experian, XXXX, and XXXX to stop ignoring my oral and written instructions to correct errors on my consumer report. I have mailed 3 notices by mail with instructions and called twice on XX/XX/2022 and XX/XX/2022. I should have a lock on all XXXX reports and yet there are over 25 hard inquires for XX/XX/2022. There are accounts listed that are not mine and I require the CRAs to remove them. There are addresses not personal to me that I require the CRAs to remove. There are many unauthorized hard inquiries not once authorized that I require to be removed. Under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I require the information listed in the section below be corrected, updated, and deleted permanently. I have not given my written consent allowing them to provide or furnish any of the information in question. But I have given them oral and written instructions to correct the invalid information and accounts. They are not following my instructions and this is a violation towards 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 2018-05-01
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used my checking account with Wells Fargo to make two transactions ( {$300.00} per transaction ) via XXXX on XX/XX/2018. I was buying golf tickets on XXXX and seller wanted for me to transfer money through XXXX. Tickets were fake and Wells Fargo has refused to do anything about this.

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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions. 

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 2022-03-07
Company: Experian Information Solutions Inc.
State: SC
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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

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 2022-09-01
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2017-08-28
Company: Auto Trakk, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/XXXX I traded my car XXXX XXXX XXXX in to XXXX XXXX to build my credit by leasing a vehicle which they gave me XXXX for my car as a down deposit for the XXXX XXXX XXXX XXXX and once I was approved by the Bank Auto Trakk they had set me up on a weekly payment plan which they told me if i pay my bill on time every week for 6months that i can go on a monthly payment plan which that never happen, also I ask if the car had an inspection cause it had just came on to there lot that same day they told me yes and I also ask them for a XXXX XXXX on the vehicle which they never gave me so after the 6months I no longer could pay them every week so I tried calling the Bank Auto Trakk and they kept giving me a hard way to go so I kept paying it weekly until I start falling behind with my payments so I took the car 1st out New Jersey to a dealership called XXXX I forgot the rest which this was in XX/XX/XXXX and they gave me a XXXX XXXX on the car and told me that the car was n't worth no More then 10,000 so they try calling they bank to make a offer with them so that I can trade that car to get another car which was in my monthly budget but Auto Trakk refused the offer why I do n't no, Ok so then I takes the car to XXXX XXXX on XXXX XXXX and they basically told me the same thing that due to the car being in a accident in XXXX that the value ai n't worth no More than 10,000 so they tried to negotiate with Auto Trakk so I was tuck with a car I that i no longer could pay on a weekly basis so i called them and told them they could come and get the car cause I no longer can pay them on a weekly basis, but before they came and got the car I was paying on time every week they never gave me my credit points for that and they charge me XXXX for this car and I receive a collection bill in the mail saying I owe them XXXX but on my credit report it saying I owe them XXXX or more so why was I credit for my payments that I was making they ripped me off and never gave me anything as for me calling and telling them to come get the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX on my credit report I have no idea what it is and why its on my credit report. I want proof of who they are to make sure its not a random bill from anywhere I never received anything from the company and dont know who they are

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 2021-05-25
Company: Klarna AB
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX disputes the debt because he made his contractual obligation to pay this account in full prior to the expiration date of a sales promotion based on information from your representative. XXXX XXXX XXXX overnighted the payment as instructed. KLARNA INC is attempting to extort additional fees and interest based on {$25.00} which they claim he was short in his payment ; however, the payment amount was verified by a representative and through no fault of Mr. XXXX he paid the amount instructed that was owed. 

Purchased electric scooter online. Financed with Klarna Inc XXXX. XXXX XXXX XXXX, OH XXXX 12 months same as cash. Account # XXXX Product was paid in full and company is now demanding interest and late fees for payment that was made. 

Four ( 4 ) Fair Debt Collection Letters have been sent and no response or verification of the debt by any of the parties. 

They continue to harass and send letters. All letters were sent by certified mail and verification they were received. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Shellpoint Partners, LLC
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was bought by Shellpoint Mortgage Servicing fall of XXXX. 
XX/XX/XXXX we received a letter stating we did not have HOA insurance coverage and if we didn't provide the policy, a policy would be purchased for us. 
XX/XX/XXXX, received a letter that the policy was cancelled, since we have adequate coverage. 
XX/XX/XXXX, received a letter that they were unable to verify our coverage and to provide the documents or they would purchase a policy for us at a cost of {$140.00}, which would be applied to our escrow account. 
On XX/XX/XXXX, XXXX XXXX, customer service rep, called and talked directly to my insurance agent and received those documents while I waited on hold, and they still state they don't have current information on file! 
XX/XX/XXXX, received a letter stating our HOA has expired and they need documentation. 

During this time,XX/XX/XXXX, I have called numerous times, talked to several customer service reps, emailed these documents while on the phone and waited until they received the message and verified that they had my insurance documents. I have also emailed direct to the company, requesting confirmation and requesting that their insurance purchased on my behalf, be cancelled and my escrow not billed. I have also faxed all documents to them on XX/XX/XXXX, and XX/XX/XXXX. 


We have no direct line to contact the company to talk with a person in charge or the insurance department. The only number provide is XXXX or fax XXXX. Each direct call is with a different customer service rep and then I need to explain the whole issue from the beginning. 

I have provided all HOA and personal insurance documents since XX/XX/XXXX feel these people are not taking care of their customers, and recording information correctly. 

I feel this is an insurance scam, to purchase policies, charge our escrow, hoping people will not notice, and some insurance company will make money from this. If not insurance scam, then very bad service, and company process and handling of customers documents.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: ONLINE Information Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has never notified me and or the medical company has never notified me of a debt owed i have no knowledge of this debt this is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Hello Digit, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Since XXXX of XXXX I have been reaching out to XXXX XXXX regards to me not being able to access my account due to an email that was linked to a college that no longer is existent. I have sent countless emails to have my password reset as well as sent information to prove that I am the account holder i.e State ID, account information and mail. The emails remain the same, stating that they have been trying to reach me and have not heard from me in seven days and close my request every time. There is no way to contact them over the phone. The individuals who send the emails, names change periodically. This has been a major inconvenience where I thought I was using an app to save money, to only have my money held hostage. The last I used my account was XX/XX/2021, since then I have received text stating my connection to my bank has been disconnected to the app where I attempted to re-connect every time which has been very difficult. I have text messages to prove from month to month I attempted to connect my account. I sent my First email in XXXX of XXXX and the again the back and forth continues with 30 messages. I have {$7500.00} that is linked to this account where I need the funds as soon as possible. I have mentioned taking legal action and still nothing has changed. The most current email was sent to me XX/XX/2021 with the same statements as above. I would like to handle and expedite this ordeal as soon as possible. Thank you in advance for you assistance. 

Best Regards, XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: AMERICAN EXPRESS COMPANY
State: MD
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 signed up for an American Express " Everyday '' credit card advertising no annual fee. The explicit terms of the offer were 10 % back at restaurants for 6 months ( up to {$2000.00} ), as well as {$200.00} cash back after a {$2000.00} spend. I was approved for the card onXX/XX/XXXX. I called American Express to confirm this bonus, and was explicitly told ( during a supposedly recorded conversation ) that these were the terms. I easily met this criteria, but received no bonus. 

Furthermore, American Express signed me up for a *different* card with an annual fee that was immediately charged. While I expressed my concern to them about this, since I was told that I would receive the sign up bonus I did not cancel the card and paid the annual fee ( +interest ). 

I called AmEx many times and used their online chat feature 5 times. Each time I was told that I would be contacted within 7 days. I was never contacted at any point and always had to initiate contact. 

One of the times I was on chat, I was told that the investigation was closed, in my favor, and I would receive a credit soon. 

On XXXX I was told over the phone that I did receive a {$280.00} credit on my account, as I was supposed to. I looked and this {$280.00} credit was entirely unrelated to a sign up bonus but instead dealt with a hotel cancellation refund -- with no relation to American Express at all other than it being the card the payment was made to and the refund was sent to. 

Today (XX/XX/XXXX ) I was told that while the complaint was escalated, there was no sign up bonus on my card. This is directly contrary to their marketing and why I signed up in the first place. This is directly contrary to what I was told by an American Express representative on the phone the first time I called. In sum, all of this is misleading and blatantly deceptive. 

All of this should be in American Express ' records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: BC SERVICES, INC.
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical debt incurredXX/XX/XXXX had been long paid off shortly after receiving the initial bill, and I received a surprise collection letter from BC Services ( original bill was with XXXX XXXX  Hospital in XXXX XXXX ) dated XX/XX/XXXX, 5 years later, for the amount of {$540.00} with {$3.00} of interest. I had initially verified with XXXX Hospital that the full bill was paid and no further balance is due. I have not heard from them via phone or mail since ( during the past 5 years ). I did move recently, but my address had been the same for another almost two years and I remained in the same city for another 3 years after the initial bill. My phone number has been the same ever since, so I would n't have been difficult to reach. When speaking with BC services they said they would send the initial statement ( which I have not received either ) but would not explain what happened or how this is valid and were extremely short and unhelpful. I have written them as well as the original company a certified letter, again requesting a final statement but am awaiting a response. Nothing has shown on my credit report so far but I am looking every day. THANK YOU FOR BEING THERE!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation