BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I noticed an email from Chase which stated I requested to delete my phone number and if I didn't to call the bank. So I called the bank. The first Representative helped me to add it back so my text alerts would get to me. 

What I believe the bank did : Somebody at the bank deleted my phone number so I would not receive alerts. No one else but the bank has access to my account. The bank refused to remove or to reduce these remaining fees. I have been a customer of theirs for many years. I also believe someone at the bank changed some of my purchases that took place previously to post on XX/XX/18 so that each of them could generate more fees. For the past several years, my purchases appear almost immediately pending then they post on the date made. Then all of a sudden for this incident, purchases made on different dates appeared on XX/XX/2018. For example, The attached receipt shows purchase XXXX XXXX purchase made XX/XX/18 but the bank shows it being made on XX/XX/18. Another attached receipt from XXXX shows purchases made on XX/XX/18 ; however my bank statement shows it was made on XX/XX/18. This is a way for the Bank to maximize their fees. XX/XX/XXXX doesn't appear on my bank statement at all. This is not an accurate representation of events. 

What I did XX/XX/2018 : I called the bank to inquire about how my phone number became deleted so I could not receive text alerts and the representative did not know and could not provide any explanation. He assisted me with returning my phone number to the alerts. After about an hour on the phone with the bank, I requested a reduction in fees or a removal of fees and XXXX a supervisor said he consulted with " the back office '' and nothing could be done. 
I inquired about all of the fees, 7 of them - maybe less at the time of that conversation. The insufficient funds fees continued to increase between XX/XX/18 and and XX/XX/2018. My overdraft balance continued to increase as well. Bank fees total {$230.00}. My account balance at this time is - {$820.00}, a negative balance The impact to me : Almost my entire check will go to pay my negative balance. As a result, I will not have money to pay my bills, and the negative balance and fees will continue. 

At the time the bank fees started, I had funds at the bank in another account to more than cover the insufficient funds. They could have called me for approval to uses that or at a minimum to alert me. In the past, I have received alerts asking me if I want to transfer to cover an overdraft. However, since someone at the bank deleted my phone number, I did not receive that. 

Why did they do it : I believe they want to get all of the profits they can for the year end. 

My request : I am requesting reversal of all of the fees in the amount of {$230.00} because they are a result of the bank 's actions with not alerting me to the situation with a phone call or text message.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-31
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$18000.00} XX/XX/XXXX DEPT OF ED/XXXX  XXXX {$7300.00} XX/XX/XXXX DEPT OF ED/XXXX  XXXX {$4000.00} XX/XX/XXXX DEPT OF ED/XXXX  XXXX {$4700.00} XX/XX/XXXX DEPT OF ED/XXXX  XXXX {$2300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2000.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: GA
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 acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i.

I did not give permission to run my credit and acquire these inquiries. 

XX/XX/20XXXX XXXX XXXX XXXX Equifax ) XX/XX/2023, XXXX XXXX XXXX ( XXXX ) XX/XX/2023XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) This is very frustrating and holding me back from the credit score I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file

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 2022-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have been a Capital One bank customer since 2014. I've always had good standing with the bank. Recently I have been the victim of fraud which left my checking account overdrawn with a negative balance amounting to thousands of dollars. Capital One didn't help in any way. They want me to pay back the negative balance without even attempting to investigate the fraudulent transaction. The details of the scam I was exposed to are as follows : I applied for a remote job on indeed. I was approached by XXXX XXXX to be interviewed on an app called XXXX. A person claiming to be a manager at XXXX XXXX supplies sent me a contract with company logo. He then claimed that I need office supplies and equipment to start training. He sent a check for {$8900.00} and asked me to deposit it in my bank account to purchase the required equipment and software. He then told me to wire {$8700.00} to a vendor who will provide the necessary equipment. As soon as I wired over the amount, he revetsed the check. My checking account is now overdrawn and I owe the bank a huge balance. I want to warn others against this scam so they don't fall for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
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: Their investigation did not fix an error on your report

Complaint:
As I investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX {$260.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Affirm Holdings, Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Affirm, Inc. XXXX XXXX XXXX Fl XXXX, XXXX XXXX, CA XXXX. This company owes me a refund for just under XXXX XXXX Dollars due to a product call back. The check has not arrived within the time frame stated by Affirm, and I am unable to get any updates on this from affirm customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : BankruptcyXXXX XXXX BankruptcyXXXX XXXXXXXX BankruptcyXXXX XXXXXXXXXXXX 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: TCN Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/2018, I received an e-mail from XXXX XXXX of Title Cash Now.Com at XXXX XXXX XXXX in XXXX, Georgia, XXXX, stating she wanted to " help me ''. I went to her office to what I thought was to discuss and settle the payment for my car, and as I was speaking to her, she called an armed police and a tow company, grabbed the keys from me, threatened me at gunpoint, and towed my car. XXXX XXXX, the General Manager of the office know as Title Cash Now.Com title pawn. The police officer was XXXX XXXX, and the tow company was called XXXX XXXX XXXX XXXX. They have several offices in XXXX, Georgia and hide under the number Title Cash Now.com, which I checked and was not registered under the state of Georgia. The company registered is called TCN , Inc. owned by XXXX XXXX XXXX. 
They are usingunfair, deceptive or abusive practice that violate federal law. They continue to expand with more stores in XXXX, but are not held liable for their criminal activity toward consumers. As in the case of CFPB Vs. XXXX XXXX, XXXX. they violate all of the same violations, and even more. They do not explain the risks involved with their process, such as this instance where they use threat, deception and violence, and do not encourage early payoffs. I hope that CFPB will investigate this company and bring justice to all who have been harmed by their illegal activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2018 around XXXX EST Portfolio Recovery Associates LLC provided information regarding my debt to an unauthorized third party without verification and in  direct violation of the FDCPA. Management confirmed this violation of the act and apologized claiming it was a new employee who made the error. Furthermore, the debt in question does not belong to me as I have disputed it on several occasions due to it having been on my credit report for a span of more than 7 years. I have rights as a consumer that were violated by this company in more ways than one. This item should be removed from my credit report immediately and my number and personal information removed from their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The statements don't make any sense. It gives balance subject to interest rate and then promotional balance and those and nothing else equal the total balance. Also, I thought it was a federal law that payments had to be applied to the highest interest rate first. They are applying my payments to the promotional balance 0 % first. Also, if you look at my statements from one month to the next, the balances don't make any sense.

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 2021-08-30
Company: U.S. BANCORP
State: MN
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:
On XX/XX/2017 my wife and I went into the local US Bank in XXXX Minnesota to inquire about a checking account and which overdrafts are not an issue the banker came back with a contract that stated if I were ever in the negative at the end of any given month that negative balance will be added on to the back end of my student loan I have with US Bank so one month when I was in a - {$210.00} instead of putting it in the back end of my long like was in the contract they started charging me fees late fees charges whatever they do overdraft charges even though it was specifically in the contract and what the banker told us that that wouldnt happen so I want them to be held responsible for breach of contract and shady business practices and for falsely reporting on my credit report. I do have a witness my wife was next to me during the entire meeting and will testify as to what Im saying is true this is exactly why I dont use big banks because they are scammers who lie and breach contracts with no repercussions because I am poor and XXXX I am not able to file any Sort of litigation to resolve this matter so Im asking you for your help please

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 2023-03-15
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have to withdraw money from my XXXX using XXXX XXXX  They send me a check I deposit this check # XXXX $ XXXXand a second check # XXXX total {$83.00} on XXXX XX/XX/2023 the check was cleared on XXXX XXXX deposited to my account routing # XXXX checking # XXXX I went to used my debit car to put gas was declined I call chase bank from J P Morgan ( chase ) they tell me they put both checks on Hold I went to the chase bank in XXXX XXXX I spoke to XXXX XXXX he call someone else they say they put a hold and restrictions on my account and I have to wait until Wednesday XXXX XX/XX/2023 today I check the account I have a positive balance I went back to get groceries and gas, again declined I went to bank again I have to wait 2 hours because XXXX the banker was assistant another client I call customer service they start asking me questions about where I work before then she says they cant removed the restrictions on my account. XXXX tell me the other lady on the phone want to speak with me then she keep saying the same I have to wait another 10 days I show the banker the two emails they send me saying the hold on my account was removed but they keep saying I have to wait XXXX more days I get upset I ask why? I need my money this lady then tell me Chase bank will issue a check and send it to my home address I ask why? Your customer service say you dint have my money because XXXX has not funds now you are saying chase bank will send me a check for Botha check I deposit in 10 days? I dunno what is happen Im having XXXX on XX/XX/XXXX this was the reason why I have to used my retirement money to pay my copayments I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Birth date : XX/XX/XXXX Social Security # : XXXX Credit Bureau XXXX EQUIFAX Credit Bureau Address : XXXX XXXX XXXX, XXXX XXXX PA XXXX Date : XX/XX/XXXX Dear Credit Bureau Representative XXXX XXXX recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove these inquiries from my credit report immediately. If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : 1 ) Name and title of the person who pulled my credit.

2 ) Date they purport that I gave permission.

3 ) Method they purport that I gave permission please include documentation of said permission. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I let Amazon know that I received a phone call telling me that I had made a purchase of {$720.00}. It gave me a phone number to call : XXXX. 
I called Amazon directly and told them what happened and they said this was a fraud. I did not call the number given to me on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: FL
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting 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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, Acct. # XXXX XXXX Acct. # XXXX, has violated my rights. 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furbish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following information, other then records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 in inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: LJ Ross Associates
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
L.J Ross Associates so a few months this company have been harassing me making phone calls to me {$6300.00} the collection have been reported past due. I donot know this company this company do not have a contract with me or anything I signed with them. I have never done business with this company,.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation