BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
We issued a check for {$1100.00} on XX/XX/2022 to XXXX. The check was cashed fraudulently at a JP Morgan Bank location. We were made aware of this only when XXXX, the intended payee, contacted us to say our account was past due. Upon research, it was discovered that the check had been cashed fraudulently at JP Morgan. 
Facts : XXXX XXXX XXXX XXXX  XXXX XXXX ) Filed Initial Claim ( Without Entry Form ) with JP Morgan XXXX XXXX Received Acknowledgement from JP Morgan XXXX XXXX Requested Status Update from JP Morgan XXXX XXXX Sent 2nd Request for Status Update XXXX XXXX Requested Another Status Update from JP Morgan XXXX - JP Morgan requested additional Information XXXX JP Morgan requested Information and XXXX  promptly responded, providing all requested information XXXX XXXX  followed up again siting JP Morgans response of XX/XX/2022 stating the claim would be reviewed and worked within 45 days. Further stating, JP Morgan is approaching 1 year without responding to multiple update requests regarding the claims and XXXX  customer still not having received return benefit of the funds received at JP Morgan in error. 
XXXX XXXX  Emailed JP Morgan a follow up stating the funds had not been received by the customer for the claim filed in 2022 XXXX XXXX  sent 3rd Request with all required documents for claim XXXX JP Morgan responded , the claim is paid and they placed a stop payment on the previous cashiers check and ordered a new check, Kindly wait 2-3 weeks to receive the new check XXXX XXXX  has not received the funds and recommended we ( XXXX Customer ) to file with CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
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:
According to the fair credit reporting Act, this creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 ( b ) section 604 ( A ) it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) a creditor may not treat a payment on credit card account under a open end consumer credit plan as of late for any reason. I Never give XXXX XXXX Equifax permission to Furnish ANYTHING on my consumeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
JEFFERSON CAPITAL : Balance {$650.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX  : Balance {$1000.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX, AL XXXX The balances were much lower before they went into collections, when I called & tried to understand their fees they provided little to no insight. I tried to work with the cell phone companies but they refused to work with me or take any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely CORRECTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is information that is on my consumer report that a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transaction by me as the consumer. 

XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the day of this notice. I look forward to your response. 

Thank you, 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 explanation
Consumer complaint received 2019-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
InXX/XX/XXXX or XX/XX/XXXX I signed up for automatic payments for a Bank of America credit card that I had recently received. The bank defaulted to minimum monthly payment. I immediately changed the setting to pay the total balance due.

My XX/XX/XXXX statement ( due XX/XX/XXXX ) included an interest charge because the XX/XX/XXXX payment was for less than the total balance due.

Today (XX/XX/XXXX) I called up it took me at least 5 minutes to get to a person and 40 minutes to get to the correct agent. That agent told me that the full payment would not go into effect until XX/XX/XXXX. *** I strongly suspect that the bank intentionally delays when it will go into effect so that they can charge consumers extra interest. *** The agent could not change my payment over the phone, so she told me to log in again to pay the difference. The amount she recommended did not account for the credit that she was making to the interest ( she said it would be credited in " 1-2 days '' but recommended that I assume that it would not appear until after the XX/XX/XXXX due date. I insisted on subtracting that from the total so that I would not end up with a credit balance.

The agents I spoke with were friendly and helpful but the bank 's systems were either very poorly designed or were designed to cause consumers to give up in frustration and pay the bank unnecessary interest.

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 2022-03-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have been trying for years to open a chase checking account and keep getting denied with no reason as to why. I tried again XX/XX/2022 and denied

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
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 receive Report number : XXXX for XX/XX/20 but the problem I saw too many account opened in my name : XXXX  XXXX XXXX Account ( 2 ) and - XXXX XXXX  ( 2 ) XXXX  XXXX XXXX ( 4 ) XXXX/ XXXX XXXX XXXX  ( 2 ) wrong social security year of birth wrong phone number wrong honestly disaster my concern I want to clean my record and fix all issues

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$3800.00} ; CXXXX XXXX XXXX  Date opened : XXXX XXXX XXXX  Balance : {$95.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I, just today, realized that XXXX XXXX is reporting the wrong amount as a negative on my credit report. I was initially contacted by their affiliate ( XXXX  ) demanding {$1700.00}. They fraudulently and falsely claim to the credit bureaus an inflated amount of $ XXXX. This harms my credit and makes it look worse than reality. 

I have no agreement with XXXX XXXX, whatsoever, let alone one that allows them to charge me in addition to what Synchrony Bank believes that I owe them. Thus, XXXX XXXX  CAN NOT claim to credit bureaus that I owe anything over {$1700.00}. 

In addition, the " debt '' is so old that they should not be reporting it at all anymore. This, too, harms my credit and causes me a great deal of damages. I am paying far too much for my car loan and for my credit cards now, as a result. XXXX is the ONLY negative on my report according to XXXX XXXX XXXX XXXX XXXX. Thus, there is no one else to blame for higher interest rates and denied applications.

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 2023-01-11
Company: FIRST FINANCIAL BANCORP
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
First Financial withdrew a extra {$200.00} January 11, 2023. My normal mortgage payment is {$520.00}. I called First Financial and was informed there was a {$1500.00} escrow deficiency re property tax though the XXXX XXXX treasurer confirms my bill is almost {$400.00} LESS than First Financial estimated in XX/XX/XXXX. When I spoke to FF they also confirmed the lower tax number and then one rep implied I would be paying {$200.00} per month I definitely thought the deficiency was fixed at {$1500.00} meaning after 7-8 months it should end the extra payments of {$200.00} and I should return to regular payments of $ XXXX per month. It is obvious that FF bank processes are completely flawed in how escrow and property tax are calculated. I want a full explanation of how many extra payments are due to cure the {$1500.00} alleged deficiency and a reassessment of ACTUAL property tax VERSUS ESTIMATES FROM XX/XX/XXXX. At a minimum, FF practices are unethical and maybe illegal. FF claims it will investigate and call me back by XX/XX/XXXX. I do not trust FF so I am document this in a formal complaint to ensure they respond and fix this. Listen to the recorded call.

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 2023-07-12
Company: MOHELA
State: OK
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:
MOHELA/DEPT OF ED Balance {$13000.00} Balance updated XXXX XXXX, XXXX I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what I have found on my credit report that is not mine! 
XXXX XXXX {$980.00} XX/XX/XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX {$580.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$420.00} XX/XX/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 2023-11-26
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy ( 15 USC 1681 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$3800.00} ; XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$95.00}.

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 2023-06-22
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying for years to resolve this debt with this company. I have sent many letters and calls asking them to provide in FULL detail their claims I owe the amount they are requesting me to pay. This debt is from 2014 and was bought out from another debt collector. I have asked to provide me ALL transactions with my signature of all purchases totaling the amount owed. All they sent were copies of only a few months before default. I am disputing the amount owed to LVNV Funding due to them not proving the TOTAL amount owed and their continued reporting to Credit Bureaus of current monthly status to keeping account open. They have damaged my credit and reputation. I am writing to your office to please help me resolve this clear violation of my consumer rights by LVNV Funding LLC. They are unfairly and inaccurately reporting on my consumer report and it is negatively affecting my character, my mood of living, and my general reputation. I have been damaged as a result of their unfair and inaccurate reporting. I have exercised my specified remedy, notice of debt violation, ( Pursuant RegulationF,12 CFR 1006 ) many times with no response. I sent a notice of debt validation ( Pursuant RegulationF,12 CFR 1006, 15 USC 1692 ) as well as cease and desist all forms of communication with me pursuant 12 CFR 1006 ( c ) ( 1 ). LVNV Funding LLC has violated my rights pursuant 12 CFR 1006.34 ( c ). They have failed to provide all the required Documentation as per my request under the new rule Regulation F and validation of debt. the law is explicitly clear, and LVNV Funding LLC Debt validation period has ended LONG AGO and they FAILED TO PROVIDE ALL REQUIRED validation information AS PER LAW 12 CFR 1006.34 ( c ) Validation information. They are still trying to communicate with me through furnishing unfair and inaccurate information on my consumer report. ALL collection activities on this ALLEGED DEBT that they FAILED TO PROVIDEMUST BE DELETED immediately. Please help me by assisting me in resolving this clear violation of my consumer rights by LVNV Funding LLC reporting the collection and the disputed status on my Consumer report with a DELETION IMMEDIATLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: NM
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.

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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times.  transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2023-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A LAWSUIT HAS BEEN FILED IN XXXX XXXX COURT BY THE ATTORNEY OF PORTFOLIO RECOVERY ASSOCIATES LLC. ORIGINAL FILE DATE XX/XX/XXXX. I FILED AN ANSWER ON XX/XX/XXXX. I DID NOT HEAR ANOTHER WORD FROM THEM OR XXXX XXXX UNTIL XXXX OF XXXX. THAT IS XXXX  YEARS AND XXXX  MONTHS. AND NOW THEY WANT TO SUE ME. 

ACCORDING TO DISCOVERY PAPERS, THE LAST PAYMENT TO ORIGINAL CREDITOR WAS ON XX/XX/XXXX. OVER 10 YEARS AGO. 

STATUTE OF LIMITATIONS FOR SUING FOR PAYMENT IS 4 YEARS IN TEXAS. 

IT IS VERY STRESSFUL GOING THROUGH THIS AFTER ALL THIS TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: MRS BPO, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I haven't even heard of this company MRS BPO before however they have all of my information including my social security number. I didn't give anyone permission to pass around my personal information. MRS BPO stated that it came from XXXX, nevertheless, XXXX never contacted me to give my information out to MRS BPO. THAT'S WHY WE CAN'T GET OUR CREDIT ON TASK BC COMPANIES ARE PASSING IT OUT LIKE IT'S NOT PERSONAL. Majority times it's identity theft however other companies don't do any good bc they are still passing our information around to every XXXX XXXX AND XXXX. 
Fraudulent account and XXXX are giving others fraudulent access to my account.

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 non-monetary relief
Consumer complaint received 2023-01-14
Company: TRANSWORLD SYSTEMS INC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I was recently XXXX  with a chapter XXXX XXXX of XXXX from this debt of {$49000.00} with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX located in XXXX XXXX. Claim number XXXX They have now referred this XXXX  debt to another collection agency " XXXX XXXX located in XXXX attempting to garnish wages and income taxes. I have contacted this company with the discharge letter from the state Trustee " XXXX XXXX of XXXX  and they are still reporting me late and currently owing after proving my discharge, in addition they have SOLD this debt to another company who is attempting to garnish wages. I became ill dependent and unable to finish paying this debt acquired on XX/XX/XXXX. These people refused to honor documents and continue to report me late and now have sold a XXXX DEBT to another collection agency.

Company response to consumer: Closed with explanation