BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Saturday, XX/XX/XXXX at around XXXX XXXX, I went to the Chase Branch ATM on XXXX XXXX in XXXX XXXX XXXX. I withdrew {$100.00} and then left. The next morning, I checked my account to see how my budget was going and I noticed that there was {$900.00} missing from my checking account. I immediately called Chase to report the stolen money and request a new card. I received an ATM reversal from Chase a few days later. However, on XX/XX/XXXX, I received an update to my situation that stated the reversal had been reversed and that Chase was holding me accountable for the unauthorized withdrawals. 

I went into the Chase branch on XXXX XXXX on the XXXX of XXXX, XXXX and informed them of my situation. The branch manager helped me fill out a petition to reopen the claim and attached the police report that I filed to the document. The petition to reopen the claim was denied and the reason given was that I had made purchases in the region and used the ATM before. I tried to explain that I am a student who lives in the area but they were unwilling to look into the situation further. Since then, I have called Chase multiple times and asked them to look at the security footage from the branch and they have refused, claiming that I would need to open a lawsuit against them for that to happen. The last time I talked with them was XX/XX/XXXX and I have not received anything else since then. Throughout this process, Chase has been unresponsive and has put as many roadblocks in my way as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a XXXX XXXX XXXX XXXX credit card, I paid the balance of {$46.00} on XXXX, XXXX, XXXX. The card was paid in full. The bill is due on the XXXX of every month. The store went out of business in XXXX. I keep receiving calls from comedity bank stating I owe a late fee of {$31.00} on an account that was paid in full on XX/XX/2023. I asked how can I be charge a late fee on an account that was paid in full before the due date. They said they would wave a {$2.00} interest fee but will not wave a late fee of {$31.00} that is being charge for the {$2.00} interest fee.which make no sense, seeing tha the card balance was paid in full prior to the due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-20
Company: Experian Information Solutions Inc.
State: NV
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 XXXX XXXX XXXX XXXX, nv XXXX XX/XX/2023 Dear Experian. 

I XXXX XXXX XXXX and natural person, am aware of all my rights which are protected by congress under the Fair Credit Reporting Act ( FCRA ). 
The list of accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 1. account name- portfolio 15U.S.C. 1681 SECTION 602 -states that I have a right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 -ALSO STATES a consumer reporting agency can not furnish an account without my written instructions. 
delete this account immediately, unless you want to be held accountable {$1000.00} per violation. 

2. account name- XXXX XXXX XXXX. account # - XXXX 15U.S.C. 1681 SECTION 602 -states that I have a right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 -ALSO STATES a consumer reporting agency can not furnish an account without my written instructions. 
delete this account immediately, unless you want to be held accountable {$1000.00} per violation. 
3. account name-XXXX. 
15U.S.C. 1681 SECTION 602 -states that I have a right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 -ALSO STATES a consumer reporting agency can not furnish an account without my written instructions. 
delete this account immediately, unless you want to be held accountable {$1000.00} per violation. 

Most Sincerely, 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 2023-06-16
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: Account status incorrect

Complaint:
I purchased an item on XX/XX/XXXX on the phone with customer service after just processing a return on the same item because they sent the wrong thing out. 

I received it on XX/XX/XXXX. I reached out to them and let them know that they sent the wrong item again on XX/XX/XXXX and they acknowledge it on XX/XX/XXXX. I returned it and received an email on XX/XX/XXXX that hey received it. I was emailed on XXXX that my balance would be credited within XXXX hours. 

I noticed on my credit report that my account was late. My bill was due on XX/XX/XXXX but I was told that it would be credited within 48 hours on XXXX because I never received a product. I reached out to customer service and they made sure my account had a XXXX balance. I was told that I would have to submit a dispute to the credit agencies. 

I submitted a dispute and not only was it denied, they said yesterday that I had a balance that was over 30 days past due as of now! Its not true at all. I havent owed anything since they refunded my purchase because I never actually received it. I dont know why they would lie? I am really upset about their deceptive practices especially because I have never been late before. 

They ever raised my interest rate when I wasnt late because I never owed anything. I dont understand how they billed me or didnt credit me after emailing me and telling me 8 days prior to a bill being due that a refund would be processed in 48 hours. Their return process is difficult because its processed via email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: Experian Information Solutions Inc.
State: PA
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 have a paid account from XXXX XXXX I sent Experian the paperwork and it is still reporting as accurate when it is not. There was no investigation done.

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 2023-07-11
Company: EQUIFAX, INC.
State: CO
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
On XX/XX/2019 My friend gave Me {$60.00} with his Bank card to my Bank card. 
So on XX/XX/2019 He lost his card There for he was force To cancel his card. 
So when he cancel the card His bank took it in there on hands In took my {$60.00} off my card In that when i told my friend to Call his bank in get my refund Back.we call in  they said we will refund Me .they didn't so we wait a week In the whole month of XXXX we called every day They will say we will refund u they never did So my bank told me to rech out to you guys We have captial 1bank on record with me my friend In my bank in his bank telling my bank they are going to Refund me THEY HAVE NOT .this has now made me fall Behind in my daily bills Rent, phone, credit, food personnel stuff. {$3000.00} behind Negitve impact on my credit For nothing we told this bank Several time to put the {$60.00} Back on the. Card in they keep Repeatedly saying they will in have not My friend has also put a complaint in as well This is not fare to me Or my credit this is My life

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, 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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Prince Parker & Associates
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've contacted Prince Parker and Associates on numerous occasion 's in reference to an account that was obtained by them from XXXX XXXX XXXX XXXX. I discussed with the collection agency representative that the address she provided never belonged to me, I have never lived there, and I do not know who opened the account. The representative was not willing to help me at all in getting the account resolved. I even requested an identity theft affidavit to fill and send back to them verifying that the debt was a result of identity theft and they refused. I explained to the representative that I have also sent dispute letters and to no avail had had any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Nelnet and the XXXX XXXX XXXX XXXX XXXX  are the worst organizations to deal with regarding student loans. They lie about dates, have held my refund longer than 14 days. Nelnet is refusing to release it and just holding it in a pending status then say it will go to a processing status even though they already have my bank information. When you ask them a question, they don't care or have any urgency to figure anything out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: NAVY FEDERAL CREDIT UNION
State: FL
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 addition, I, XXXX XXXX, consumer, aware that its not one law where its required to report my credit card utilization. This is officially notice to Navy Federal Credit Union to respect my privacy rights as a member, customer, and consumer to honor my request in regards of this notice to Opt out of Reporting timing of payments and Utilization. Thank you, best regards. XXXX XXXX ALL RIGHTS RESERVED 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 2020-06-14
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After receiving notification of this debt from my credit report, I contacted the agency several times. First contact was XX/XX/2019. They responded. The information provided to the Credit Bureaus is INACCURATE. My initial dispute with this agency is that I do not owe them. I owe their client. And they are misrepresenting this within my credit file. I asked them to remove/delete this item. They refused. The debt they say I owe them is one in which they purchased from another creditor. This is a violation of the FCRA to have a 3rd party entering information in my credit file. I did not receive any services from this agency and therefore they have no permission to include this debt as owed to them within my credit files.

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 2023-10-31
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account status had not been updated since XXXXXX/XX/2023. Account was paid off in XX/XX/2023. As of XX/XX/2023 account is still not updated as paid in full on credit reports for all three reports. Company is refusing to ensure update takes place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
n accordance with the Fair Credit Act XXXXXXXX XXXX XXXX Last reported XX/XX/XXXX {$440.00} Open balance XXXXXXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$640.00} Open balance XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$5900.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2022-05-23
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I have a judgment against me from XXXX XXXX, Florida filed by XXXX XXXX, P.A in 2018 representing two AMEX credit card debts. 

One is XXXX, the other is XXXX... proximately. 

The issue I have is that during the past years, they have sent me several settlement offers which I have accepted three times now but they are just " tossing '' me around by phone when I am asking to finalize the offer that I accepted. Last week my bank account got garnished leaving my bank account empty with XXXX dollars. I am a single dad with a XXXX XXXX XXXX daughter, and now we have XXXX $ and I don't even know what to do. I have called an attorney this morning, but since I have XXXX $ there is nothing I can do since they need to be paid. ( I don't qualify for free legal service ). 

This was not the first unfear and unethical action from this debt collector. They have wrongfully garnished my ex-wife 's account years ago when I had to hire an attorney to get the money back. 

This debt collector doing its job, however, they are manipulating and misleading, giving missed information and since their offer was accepted by me three times over the phone, at this point this is abusive. Any time I call, they listen to me, and they say they will get back to me but never happens anything.

I really could use some help here, hopefully, you guys have something for me, and maybe I can help others who became the victim of Modlin 's harassment, abuse, misinformation, and manipulation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: VA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting XXXX XXXX XXXX to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXXXXXX Balance Owed : {$4300.00} ; XXXX XXXX  XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$400.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$360.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-31
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar ( XXXX XXXX XXXX recently purchased my mortgage servicing rights from XXXX. I received a letter and email with directions for accessing my mortgage online. I tried repeatedly to access my mortgage using the link for about a week starting on XXXX/XXXX/XXXX. A message popped up that indicated the website could not process my request and I should try back later. There was also a number on that website splash screen. I finally called the number and the entire menu was spoken to me in XXXX!! Luckily, I live in XXXX and understood it well enough to push option XXXX. I was greeted by an English speaking rep who told me they were aware of the issue with the XXXX greeting and telephone menu. They said to wait until I received the welcome package in the mail and try again. I called back just now ( XXXX/XXXX/XXXX ) to try to resolve the issue and the welcome message was still in XXXX!! I 'd XXXX everyone who 's loan transferred from XXXX to XXXX XXXX as part of this transaction had to deal with the same issue. I have no idea why this was n't corrected in XXXX weeks that elapsed between my first call and subsequent call. The phone number is XXXX. You can try it yourself.

Company response to consumer: Closed with explanation