BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-27
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I user Chase 's website at XXXX XXXX XXXX XXXX XXXX to manage the credit card account I have with Chase. In the process of logging the Chase website displays a web page shown in the attached document " Chase login verification problem.pdf ''. 

The issue is that I do not have a telephone number ending in XXXX, and I do not know to whom Chase would be directing the call. I spoke with Chase Customer Service and Chase fraud department about this today, and neither was helpful in resolving this issue. I believe this exposes my Chase account to potentially fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Monies were taken from my checking account and I called the fraud department and told them about it because the total was over XXXX but I only received XXXX back but it froze my account. It's still ongoing.

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 2023-04-27
Company: Greenberg, Grant & Richards Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX of Greenberg , Grant & Richards Inc. contacted my family members ( specifically my father ) and provided information regarding the amount of the debt. I had previously told her to not contact my family member and she is still harassing them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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:
While checking my most recent Equifax credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I have asked Equifax to personally remove these unauthorized inquires a numerous amount of times but they will not comply. I take this very seriously and have been left no choice but to file an identity theft report with FTC and the XXXX. by law these unauthorized inquires need to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: HEARTLAND PAYMENT SYSTEMS INC
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I asked Global Payments ( globalpay.com ) for access to my credit report. They replied Dear XXXX XXXX : We received your email dated XX/XX/. Global Payments is a provider of payment technology and software solutions in over 100 countries and, for most of our services, we do not maintain a direct relationship with consumers. You can find out more of our products and services on our website : https : //www.globalpayments.com. 

We are not a credit reporting agency. If you are looking to receive a free credit report from a credit reporting agency, you have contacted us in error. If you have a business relationship or account with Global Payments, please provide additional information about your account to enable us to assist you. 
Product name ( s ) that you believe contains your personal information Merchant or Customer ID Regards, Global Payments Privacy Office

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: AZ
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: Experian Information Solutions 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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-04-27
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
We already complained that AMEX had put us on the pay-over-time option on the card against our will. They have been charging interest on the pay-over-time portion of the monthly charges even though we pay in full each time. We had to go online and opt out of the pay-over-time feature, which was done in XXXX. I just received my XXXX bill and they are charging {$1.00} in interest for the pay-over-time option which I have opted OUT of. Their answer for the last complaint was that since I opted out, nothing further was needed. Which is not okay b/c they have taken money from me for this pay over time option which I do not use. Now, my statement shows a {$5000.00} pay-over-time limit, which should not be there since I have opted out and they are charging interest of {$1.00} for nothing! They should be prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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: Their investigation did not fix an error on your report

Complaint:
I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed items which I believe were reported in error. 


XXXX XXXXXXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had XXXX defaulted modifications, I was given assistance from the state to bring my mortgage current. During the defaulted modifications my interest rate went from 4.125 % to now 5.250 %. My issue is that even after I have reached out and disputed this with the servicer, they will not change my interest rate back. They have merged with another servicer during the time of this but I never finalized any modification nor signed any paperwork to finalize it. I have started one but never made the three trial payments on time due to not being affordable as each and every time the amounts had gone up and two I have never signed documents to accept and finalize a modification. Therefore my interest rate and payment should still be what it was prior to all this. Now my loan is current thanks to the help of XXXX XXXX the servicer still refuses to take my claim seriously and change my rate back to what it was for the sole fact that my payment would drop approximately {$300.00} a month and make it actually affordable for me. I could understand this if I singed, returned, and finalized any modification but did not so I still don't understand how or why my rate has changed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), has violated several of my rights.

16 U.S.C 1681 section 602 A. Clearly States that 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 an account without my written instructions.

15 U.S.C 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.

Remove these late payment and update this account immediately as you are in direct violation of serval laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: TN
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:
I received an email notice from Experian on XX/XX/2023, that they were done investigating my dispute regarding an alleged XXXX XXXX XXXX they say I filed being listed on my consumer report under the public records section. Experian has consistently stated that this information was verified by XXXX which is a third-party seller of information. Well on XX/XX/2023, XXXX conducted an investigation and verified with me and the CFPB that they have no record of Bankruptcy case number XXXX being reported in my file. Here are the exact words! 

In an effort to resolve her concerns, XXXX initiated a dispute of bankruptcy record case number XXXX on XXXX XXXX behalf. During our investigation, XXXX verified that bankruptcy record case number XXXX is not reporting in XXXX XXXX XXXX file. 

In an effort to resolve XXXX XXXX concerns, XXXX initiated a dispute of bankruptcy stated above with the nationwide consumer reporting agencies on her behalf. 

Then instead of posting their findings here for the CFPB to view they mail them out claiming to have done a proper investigation to avoid being fined by the CFPB because the evidence is also being provided to them and they ignore it.

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 2023-02-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had fallen behind on payments after I tried to change the bank account for my autopayment. I thought it had been changed but the bank account wasnt accepted by Wells Fargo and it stopped the autopayment. I was charged {$40.00} for each late fee. I made a payment in XXXX and my account was closed in XXXX. I had attempted to use their online feature to get help with payment arrangements but it would not process and required me to call in. The chat feature said it was available during certain times, however, there was never a way to open a chat during those hours on the mobile version. When I logged in and saw my account had been closed I called about reopening the account. I requested that the late fees be waived as I had been paying on time through autopay and they waived 2 of the 4 late fees but said it would be applied at the next XXXX. I was told a request could be submitted after I brought my balance below the credit limit which would be the {$220.00} as the {$80.00} credit wouldnt be applied til the next XXXX. I paid the {$220.00} and called back to check on the request to reopen and was then told that I couldnt reopen the account because it had been closed and that I would have to reapply for a credit card with them. I believe they knew from the beginning that I could not reopen the account and provided false information to get a payment. I have had that account for almost 10 years and received the letter regarding the overdue balance and closure after it was already closed. I had not received any correspondence in writing regarding options to bring my account current nor why my bank account was not accepted for the autopayment drafts.

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 2023-04-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
JPMCB INC After reviewing my credit report i have noted some discrepancy onvalidation was requested and none was provided. I have not received any correspondence from them only harassing calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Ive been with Wells Fargo for 14 years and have had fees from my account taken from there. There is a lawsuit where I should get compensation and I havent received anything from them yet

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 2023-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I called Capital One today and spent over an hour on the phone with no results. I recently made a payment on XX/XX/XXXX, that cleared my bank account the following business day, XX/XX/XXXX. Capital One has said payment on a 6 day hold and is refusing to update my available credit for usage. The funds have been cleared and the payment has not returned so I am very frustrated as to why the funds are not being made available to me. I spoke with a supervisor who told me there was nothing she could do. I then asked to speak to her manager, and I was told her manager only handles administrative tasks. The first associate I spoke with had construction going on in her home and I could barely hear her the entire call. When I asked to speak to her supervisor after being placed on a 15 min hold, I was disconnected from the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 2023-04-27
Company: IQOR US INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter in the mail from Allied Interstate LLC stating that I owed for a public storage unit in the amount of {$150.00}. Public storage account number : XXXX. Reference number : XXXX. 

This is completely incorrect. I owe zero dollars to public storage or Allied Interstate LLC. My public storage unit was opened on XX/XX/2023 and I moved out on XX/XX/2023 due to flooded water damage. I had to go through their orange door insurance which is also called XXXX and they did NOT refund me for my public storage fees. 

I had a storage unit for less than one month is all fees paid upfront. I have emails and storage agreements stating my move-in date and an email from my move-out date showing I owed {$0.00}. I do not owe anything and did not ever, and I had to move out immediately against my wishes because my unit was flooded with water damaging my items. I have dated photos and videos to prove that as well, if needed.

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 2023-02-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. The disputed items do not belong to me. Please block/remove these items : XXXX XXXX XXXX XXXX XXXX, PA XXXX PA XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Recieved a collections letter in mail saying I owe XXXX $ from XXXX of 2018. I never went to hospital in 2018. Also address on file is incorrect never lived there nor where that is. I called XXXX XXXX XXXX billing department XXXX and they told me Medicaid paid the bill already a while ago in fact over paid. I do not owe this. I have left voicemails and no resolution. I requested validation letter and no sent me anything.

Company response to consumer: Closed with non-monetary relief