BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: JPMORGAN CHASE & CO.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
First and foremost, This complaint is not related to ANY previous complaint. This complaint is a NEW complaint relating to COMMUNICATION which has NOT been previously complained of. The only relation is the respondent Chase JP Morgan. 
Chase JP Morgan has violated the federal Act 1006.6 Communications in connection with debt collection.

( c ) Communications with a consumerafter refusal to pay or cease communication notice. 
The evidence that can be found In the previous response from CHASE to CFPB is just that, Evidence admission noticing the Federal Agency CFPB they were in receipt of consumer letter to Cease and Desist and that Chase would be complying and adhere to that request Chase by XXXX XXXX evidence that first fact of which is that CHASE indicates receipt of notice to CEASE & Desist this is not competing claim put-forth nor is the complaint the same as any previous investigation by complaint. 
The previous complaint about unverified debt, and debt collector practice of not VALIDATING the debt is not the same of this complaint of COMMUNICATION violation of the aforementioned Federal statute. Again, the proof found in their, Chase JP Morgans, own statement suggest that the matter put-forth in this NEW complaint is TRUE. 
Attached is proofs of mailings and letters to prove beyond any reasonable doubt Chase has in fact violated 1006.6 Communications in connection with debt collection by mail correspondence which occurs almost daily with mailing in the mail box or left on property porch such as a BOX of documents is harassment ( see photos ). Today a stapled sheets of 24in x 5in documents came of my personal account information arrived in the mail box without cover ( see Photo Chase 2 and 3 ), envelope or mailing package but mere OPEN stampled documents of personal account information, name, account number, and other personal private info open to the public to read with no need to know. One mailed without envelope and the other smaller documents in an envelope ( see Chase 2 and 3 phots attached ) ( FDCPA ) federal law limits what debt collectors can do and what communication and whom such communication can be had when attempting to collect a debt. Confidentiality must be maintained and revealing personal information that includes my phone number in unsealed mailings violated privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 XXXX XXXX suggested I applied for a XXXX XXXXXXXX XXXX XXXX, through XXXX XXXX, to help improve my credit score. The website also stated, my chances for approval was good and shouldn't drop my credit score no more than 5 points. So, I applied and was APPROVED for a credit card. This one hard credit inquiry, decreased my credit score with XXXX by XXXX points. As, of today the XXXX point issue was resolved. However, XXXX XXXX also stated if I payoff one of the items showing on my credit report, my credit score would increased by 21-25 points. So, I took their advise and paid off two of the items that was showing on my credit report, XXXX XXXX XXXX and XXXX XXXX XXXX. Upon speaking with both agencies they informed me they would report to the 3 credit bureaus of my payment. ( Please see attached previous complaint issue that was resolved, bank statements of payments, and XXXX XXXX solution to increase my score ) As of today, I have not seen this increase in my credit score to paying off the items XXXX XXXX suggested. Also, I've spoken with all agencies above but this issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan principal went from XXXX to XXXX because they never moved my deferred payments to the end of my loan. They want me to pay the original principal and added in the amounts of payment I missed again for payoff. Attorney general has contacted them and theyre Ill not give me a true payoff

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 2023-05-16
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was reviewing my credit report and I notice Credit Collection Service XXXX agency was reporting a debt of {$160.00} on my credit report. On XX/XX/2021, XXXX issued a credit to me in the amount of {$210.00} because I canceled my policy. I have never given Credit Collection Service XXXX permission to send my personal information to this collector. Thereby, I would like to request signed validation of debt documentation approving my release of records to this third-party entity.

1. ) Please provide a breakdown of the debt and give an explanation as to why I was refunded.

2. ) Please provide a copy of my signature with the provider of service to release my information to an unknown entity.

3. ) Cease any credit bureau reporting until the debt has been verified through me.

4. ) Please send this information to my address listed above, which should be XXXX XXXX CT XXXX, NC XXXX. 
* Also, this is my formal debt validation request which I am allowed to submit which is substantiated by the FDCPA ( Fair Debt Collection Practices Act ). Please note that the falsification of the information you received from this provider is in violation of the FDCPA because you will be deceiving me after my written request for debt validation. Having that being said, I request full documentation of what you received from this provider of service in connection with this alleged debt. 
Additionally, any reporting of the debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek punitive damages from this collection company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
American Express card statement shows only the minimum amount payment on the payment stub. Nowhere on the stub does the full amount appear. This can cause clients to pay less than the full amount and incur interest accrued till the next billing period. This is not a practice of other credit card companies and appears to be an intensional or unintentional act that serves American Express and can financially mislead their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Chime Financial Inc
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with chime I filed my taxes and got my refund sent to chime my has been with chime for two months they ask for documents and I sent what they ask for so I can prove identity and proof of address I sent everything and from that date they ask I think it was around XX/XX/2022 from that date Ive been calling emails no response from the email and when you call they tell its another team that handles everything through email all I want to know is where is my money they not telling me nothing at till this day the phone representatives answering but they say they dont have access to not so we will send to our response team but when they send messages u get a automatic message say we will get back to but no response everytime this really hurt me bad please help me get my money Im tired of waiting on a specialist that dont respond. The photos Ive added are emails Ive sent and emails chime phone representatives sent to response team and all I get is automatic messages

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: WELLS FARGO & COMPANY
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX is calling, emailing and sending me letters in the mail stating that I owe Wells Fargo a debit of {$2000.00}. I have ask repeatedly for proof of the debt. They can not provide. I have since called Wells Fargo and asked them to confirm that I owe this debt. Wells Fargo confirmed that I do not owe this debt and told me to turn this company in for scamming/fraud. I have called XXXX and emailed XXXX XXXX XXXX at XXXX. When I ask the rep to provide me with proof that I owe this debt, they ignore my request and ask how I want to pay. They will get very angry if you ask any questions. They will threaten to turn you in to XXXX and garnish your wages.

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: 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:
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 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 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 2023-04-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a Wells Fargo account for year that I had to closed in XXXX  because I was getting charged fees for no reason. All kind of fees overdraft fees consistently.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.

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 2023-10-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
hello Wells Fargo is charging a NFS fee for an over payment. The company allowed the payment to go through and I asked not to do that, if not finds are in the account please decline the charge. Plus the company said if a direct deposit is coming into the account no overdraft fees will go on to the account.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-28
Company: Experian Information Solutions Inc.
State: AL
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 reviewed my credit report and noticed several discrepancies under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and US Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. If these are the same accounts, reported by the same creditor, how can there be so many things inconsistent? The open dates vary from each credit bureau, the terms are not consistent, the high balances being reported are also wrong.

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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-10
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Review the section and review your letter doesnt add up I give you 7 business days to have both accounts remove from XXXX and XXXX! 


A ) Reporting information with actual knowledge of errors. 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.

3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

623 ( a ) ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Tally Technologies
State: NE
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
An account from TALLY TECHNOLOGIES INC is appearing on my XXXX credit report with a balance of {$3100.00} opened in May. I do not recall this account ever being applied for or agreed to.

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 2022-02-15
Company: MONEY SOURCE, INC., THE
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: Was not notified of investigation status or results

Complaint:
XXXX / 120 days late in XX/XX/2020, as well as 90 days in May 2020, 30 days in XX/XX/2020. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Lakeview Loan XXXX  is not processing my payments in a timely manner. 

My bank, XXXX. sent a payment on XX/XX/XXXX for a XX/XX/XXXX payment and it was not processed until XX/XX/XXXX. 
My bank, XXXX, sent a payment on XX/XX/XXXX for a XX/XX/XXXX payment and it has yet to be processed. 


I work hard to submit my payments in a timely manner and the company is not processing my payment in a timely manner.

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 2023-10-02
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i cancelled my phone with XXXX no service but they charged me anyway for months without any service or active line then few years go by then a account show up on report as late XX/XX/2023 and collection status by jefferson capital

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: DC
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. 
XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: BARCLAYS BANK DELAWARE
State: TN
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:
My previous complaint # XXXX. 
I'm still not able to make a payment to this company. Still racking up late fees and interest. I will NEVER do business with this company again. I've talked to my bank ( TVFCU ) and Barclay 's. No results... is there no one that can 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 explanation