BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-18
Company: JPMORGAN CHASE & CO.
State: TX
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:
Chase credit cards offers various payment options for its credit cards. A cardholder can pay via the US mail using a check, via phone, or on the chase.com site. 

This complaint concerns online payment options and specifically, recurring " Automatic Payments ''.

When a cardholder makes a ONE-TIME payment via chase.com, the options include : a. Pay off your entire statement balance ; b. pay the minimum payment due, or c. pay a different amount which the cardholder then specifies.

However when a cardholder opts for the convenient " AUTOMATIC PAYMENT '' which effectively is a recurring payment, in which Chase drafts the cardholder 's checking account every month on a specified date, the choices are limited to two : a. pay off your entire statement balance ; b. pay the minimum payment due.

Automatic Payments are great for the cardholder who is forgetful or who has an existing balance that he or she wishes to pay down, in a disciplined fashion, in a given period of time. Not infrequently using an automatic, recurring payment, is in association with a balance transfer which the cardholder wishes to pay off fully before the end of the promotional rate period.

Chase is fully aware of this issue and its customer service staff default to, " if you wish to pay a different amount, you can always do a one-time payment. '' I am certain there is nothing illegal with what Chase is doing since they offer alternatives. However I am also certain that the drivers of the lack of a, " pay a different amount '' option on Chase.com 's Automatic Payment is to drive $ XXXX late fees ( to earn something during promotional periods ) and to make it difficult for cardholders to automatically pay off balances during promotional periods, ensuring a balance rollover at the astronomical 29.99 % APR.

Chase has a Slate credit card product which offers some of the longest Balance Transfer promotional periods in the business ( 15 at 0 % APR ) with no balance transfer fee. They know full well how to make money on this product.

I feel they should have to answer to consumers on this matter.

Thanks you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX sent me a payment reminder notice datedXX/XX/XXXXstating that I missed my XXXX payment. I called the customer care number listed on the statement 7 times and was unable to get in contact with anyone about this. Their automated system states that the payment was processed on XX/XX/, my bank statement says it was processed on XX/XX/XXXX, but the letter that they sent states they did not receive the payment and charged a late fee to my account on XX/XX/XXXX. The payment was sent, received, and processed. I've repeatedly tried to contact them about this but the automated system they are using does not even have an option to speak to a customer service rep, or issues with payment processing. I would like them to correct their mistake about the missing payment, send me an updated statement indicating that they have received the payment ( their automated system says they received it on XX/XX/XXXX ), and remove the late payment fee from my 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 explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a formal complaint that I would like to request against XXXX Mortgage XXXX XXXX # XXXX Per our last communication on XX/XX/XXXX. I spoke to XXXX Mortgage XXXX to confirm that the additional paperwork at their request for my loan modification was received via Fax ( see attached ). I spoke to them regarding the current status of my loan modification. I was told that the paperwork was received and notified that the documents were still being reviewed for our loan Modification. 
Per the last email on the XXXX from Special Servicing Specialist it stated " If you are still in need of assistance, we are happy to help, just give us a call at XXXX or XXXX for more details or you can send in the mortgage assistance application to reapply. There is a foreclosure sale date of XX/XX/XXXX so we need a full package as soon as possible ''. 
Unequivocally at no time during our last phone call ( XX/XX/XXXX at XXXXXXXX XXXX  ) nor leading up to XX/XX/XXXX, myself, nor any member of my household was notified via phone, in person or registered mail that the house would be still placed on auction on XX/XX/XXXX. It was on XX/XX/XXXX, that my wife was contacted by a third party that stated that our home had been sold to a third party. We then contacted our Veterans Affairs GuarantoXXXX advocate office in XXXXXXXX XXXX The XXXX XXXX XXXX XXXX were unaware that XXXX Mortgage XXXX XXXX # XXXX had been in communication with us. XXXX Mortgage XXXX did not notify the XXXX Affairs XXXX that we had submitted documents for a loan modification during the same time as the sale of the home was nearing and began to proceed with the sale. 

We would like to request this to be investigated thoroughly and fairly. The process that was taken by XXXX Mortgage XXXX XXXX # XXXX is a display of unethical business practices and also displays XXXX XXXX in the highest regards. Please see attachments as additional details to support our statements of continued communication with XXXX Mortgage XXXX # XXXX in regard to our Loan Modification request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
I paid a seller online with my Capital One Visa credit card. It turned out to be a fraud. The seller shipped fake shoes to me instead of the XXXX bag I paid {$2700.00} for. I find it appalling that XXXX could have refunded my money, but because of CAPITAL ONE and VISA, I am scammed out of {$2700.00} before they chose to side with the scammer instead of me, their customer. This is ridiculous. I am trying to recover my funds and Capital One has so far been no help. Attached, please find a response from XXXX. I am going to have to bring a lawyer in and continue this fight to get my money, if this is not resolved. I have lost all faith in Capital One and will be canceling my cards with them. Since they clearly can not have my back in a case of fraud, instead they chose to side with the scammer. Be wary of using your Capital One cards with online sellers. If things go wrong, Capital One will never protect you. I've reached out to XXXX on this and they referred me back to my card issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Rent Recovery Solutions
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V.GRAVENS ( MO ) 281 SW 715, 719, I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 



Please erase from all credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX 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 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 2021-02-08
Company: Experian Information Solutions Inc.
State: MS
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 have been disputing this account since XXXX. It was changed to charge off/ paid for less than full amount However that is NOT ACCURATE! It also reports different Closed Dates on all 3 of my reports, one report has XXXX, one has XXXX, and one has XXXX. The payment history is also inaccurate! Ive been fighting this for 2 years! Theres 2 different creditors being reported, though it may be the SAME COMPANY, the reports show One In Nevada and one shows XXXX. They only UPDATE it each time .... nothing about this account is ACCURATE! It is affecting my ability to borrow money.

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 2023-09-04
Company: Experian Information Solutions Inc.
State: PA
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:
Notice to principal is notice to agent notice to agent is notice to principal I am writing to express my serious concerns regarding a matter that pertains to my right to privacy and the violation of my consent in the context of a consumer report. 

As an individual who values their privacy, I am deeply troubled by the recent events that have come to my attention. I have discovered that a consumer report containing my personal information has been generated without my explicit consent. This is a clear violation of my rights as outlined under the mentioned legal statutes. 

According to 15 USC 1681a ( b ) ( 2 ) ( i ), consumer reporting agencies are required to exclude certain accounts from a consumer report when those accounts arose from transactions and experiences involving my credit card. This exclusion is essential to protect the privacy and rights of individuals like me. However, I have observed that accounts stemming from my credit card transactions which congress defines a credit card as 15 USC 1602 ( L ). These transactions and experiences have not been excluded from the consumer report, as mandated by law. 

Furthermore, it has come to my attention that your organization claims to have a permissible purpose to furnish information about me, as allowed by 15 USC 1681b ( a ) ( 2 ) However, I want to emphasize that I have never provided written consent for your company or any affiliated entities to furnish, collect, or disseminate any information about me. This lack of explicit consent raises serious questions about the legality of the consumer report in question. 

I kindly request that you promptly investigate this matter. I also request that all accounts that arose from a consumer credit transaction which was done by my credit card as defined by congress 15USC 1602 ( L ) should be excluded according to 15 USC 1681a ( b ) ( 2 ) ( i ) will be removed from the report immediately. Please provide a written statement on why my consent was not obtained before generating a consumer report on my behalf It is my sincere hope that we can resolve this issue amicably and ensure that my rights are upheld in accordance with the law. Please respond to this letter within 15 days with your findings and proposed actions to rectify this situation. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.

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 2023-04-24
Company: CL Holdings LLC
State: NH
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:
Disputed debt, mailed certified letter, allowed 45 days to validate, failed to do so and did not remove or report to remove information from my credit report Reporting invalidated information to credit bureaus Unable to validate debt. 
Violation of the FCRA Violation of the FDCPA Defamation of Character Performed no investigation as requested Provided no response within 45 days of request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company response to consumer: In progress
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 2023-04-24
Company: EQUIFAX, INC.
State: AR
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 XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX, I received emails notifying me that a new bank account had been opened in my name at Bank of America, and I do not have any accounts there. I called their fraud department at XXXX and reported the fraud. They said it had been opened online, investigated my claim, and confirmed the account had been opened fraudulently using my name, date of birth, and social security number. They immediately closed the account. This exact same thing happened to me in XXXXXXXX XXXX XXXX, after which I filed all the necessary claims, complaints, and freezes, so I am appalled that it happened again with the same bank. All of the freezes are still in place. How did this happen? Bank of America should not have opened the account with all of the freezes and alerts I have in place.

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 2023-04-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing, the company that service my mortgage has increased my payment starting in XX/XX/XXXX without any explanation, from {$600.00} to {$1000.00}. This loan is part of the bankruptcy discharged on XXXX XXXX. They are now calling me and harassing me demanding the payment. 

I have requested a modification since XXXX XXXX Also I have sent all the documentation and they are in the back and forth asking for more information. 

I lost my job recently since this one was a seasonal job. But income from unemployment is coming to pay the mortgage. 

I want this harassing stop and keep my payment of {$600.00}. Please help me and intervene so all these stop. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX 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 2018-02-20
Company: Convergent Resources, Inc.
State: CA
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 recently received a new copy of my credit report and I noticed an account was placed with collections in my name that I have disputed as fraudulent or belonging to someone with a similar name. I had no knowledge of this debt yet " XXXX XXXX XXXX ''. has continue to report it to my credit file. I had sent a certified letter to the collection agency and to " XXXX '' ( the original creditor ) asking for " DEBT VALIDATION '' and I never received a response back. I believe this account is fraudulent or belongs to someone else with a similar name. This debt is not mine and I've tried every option I could think of to fix this erroneous reporting of this collection account to 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