BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-18
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2018 I saw that my car insurance had sent over a payment to Chase of {$170.00}. I called XXXX and asked if they could reverse the payment and they said that they couldn't because it was pending by my bank, however I could call my bank and have the transaction reversed, and if that happened that they would not resend the payment again until I called them. After that I immediately called Chase and told them that I had spoken with a XXXX representative and I asked them to reverse the payment, they told me that it would not be a problem since I had already spoken with XXXX and the payment was still pending. I looked in my account and saw where the Chase representative had reversed the payment. Today, XX/XX/2018 I receive an email alert stating my account was overdrawn by {$130.00}. I called Chase and was told that they did not see where the payment had been reversed and that they did not see any record that I had spoken with anyone. Chase is famous for waiting for the money to go into an insufficient status before they start processing payments. I had about 8 items that I made transactions for from XXXX XXXX that did not show up until a week later although Chase had them paid on my transactions, later on in that week they have now been set to another date rather than the date originally done. These payments are taken out, and it appears that they have been paid the balance reflects this however I have been told that they don't actually process until the payment is made which inadvertently has the customer thinking that something has been paid when it actually wasn't and that the balance that is posted actually isn't correct. 
I also spoke with Representatives from XXXX who stated that they never received anything stating that the payment had been reversed and that the payment was not made. 

I do not believe that Chase should continue to take advantage of consumers and misleading them just to be able to charge them a daily {$35.00} insufficient fee which could add up to hundreds of dollars. 

I will make sure from this day forward that I have documentation and proof of Chase 's unfair practices since records seem to disappear from statements. I watched the transaction be removed on Sunday, here it is Tuesday, and there is nothing proving anything I have stated, not even a recorded call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XXXX XXXX did a hard inquiry on my credit report on XX/XX/. It appears someone used my information to attempt to open some sort of account. I do not have an account with XXXX and i would like evidence from this company to prove that my information was used. Proof of photo id, and I would also like to know how XXXX got my social security number. This is frightening as I also have a consumer fraud alert on my credit report.

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 2019-03-03
Company: Experian Information Solutions Inc.
State: IL
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:
I am a victim of Identity theft/fraud. 

I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX   AND EXPERIAN XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX AND EXPERIAN continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

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 2020-07-06
Company: Experian Information Solutions 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:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$2600.00} XXXX XXXX {$63.00} XXXX   XXXX {$980.00}

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 2018-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2018 I have shown proof to all three credit bureaus that thechapter XXXX bankruptcy was reported in accurately and i get a response stating they have verified this in XX/XX/2018 which isnt possible because the bankruptcy information to call to find out is the wrong number. I also asked whom did they speak with to verify this information XX/XX/2018 and i didnt get a valid response. Also, I have sent in proof that XXXX XXXX is reporting i owe XXXX dollars when i only had a credit card with them for XXXX and I dipute to have that removed XX/XX/2018 and the credit bureaus wont remove it. On XX/XX/2018 I also dispute the fact that XXXX XXXX and capital one were sold accounts and they are still reporting late payments which shouldnt be. Im trying to clear these things up to try to get a home eventually. Also, I just disputed XX/XX/2018 that the new chapter XXXX dates are all wrong and its not reporting accurately and Its no way they have verified thisw information with the courts because I myself couldnt speak to a person. The law states you have to speak with a indivdual to verfiy the information being reported and im just being toss aside.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Medical Data Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was reviewing my credit report and I saw there was a {$100.00} debt from a debt collector for a co payment that I owe. I was shocked because I never received anything to pay the {$100.00} and no attempts to call me before they will report to my credit. I thought the debt collectors have to send you something in writing before they can do anything and give me the option to dispute if I choose. I received nothing!!!! I think this would be a violation of the FDCPA.

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 2021-01-29
Company: AVANTE
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In XX/XX/XXXX my husband purchased from XXXX a zero turn lawn mower XXXX monthly zero interest XXXX beginning balance. paid on time all of XXXX found out husband was ill last part of XXXX still made payments in XX/XX/XXXX i paid the XXXX payment monthly plus an extra payment XXXX so total XXXX monthly I did this every month till XX/XX/XXXX then went back to making XXXX then increased it to XXXX I admit when my husband had his double XXXX transplant we got behind a couple months made those up had a couple NSF made those up also. Then XX/XX/XXXX I had it paid down to XXXX XX/XX/XXXX I made a payment XXXX from a bonus check i had gotten then on XX/XX/XXXX I made a XXXX payment to pay the loan in full the first part of XX/XX/XXXX I received a letter from XXXX that stated my husband loan was paid in full as of XXXX then nothing went on with life on XXXX two men showed up at my door at XXXX XXXX  and said they were with XXXX and was repo my lawn mower i advised them it was paid off he called a man named XXXX that said he was with XXXX come to find out he was with Avante USA in XXXX never MM me or verified who I was was rude would not listen to me then the next day XXXX a lady from Avante called my husband her name was XXXX said she had talk to me in XXXX and I had set up payments XXXX a month which is not true so there again they disclosed my personal information to someone so I sent them bank statements and talk to XXXX at Avante he sent me payment history that does not reflect have of my payments I reconciled it with bank statements I have been embarrassed called a liar and harassed also they have violated FDCPA laws

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. 

You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. 

Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. 

Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. 

Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. 

Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''

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 2018-09-18
Company: Caliber Home Loans, Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
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 a customer of Caliber and have been for XXXX XXXX years. I need to express my disappointment and reach out to you regarding an issue I am hoping you can correct. 
We purchased a home back in XXXX of XXXX. We applied and were approved for a 30 year mortgage. 5 days before we closed we received a call to let us know our score dropped due to the consultant pulling out credit too many times. XXXX to be exact and needed to come up with XXXX or go to a 15 year mortgage to be approved. 
We accepted the 15 year and have been making payments on time ever since. Recently we ran into some medical issues for our son and contractor issues. Because the payment has us on a pretty tight budget we wanted to see what Caliber could do for us. They suggested we apply for a forbearance. We were approved for 6 months and a lower payment. The paperwork was confusing so we called to find out what this would do to our credit. We have a stellar payment history and did not want this to affect it. 

We were told by several associates that it would show up as a forbearance not a XX/XX/XXXX etc day late. We were told it would not impact our credit that way. We decided to do it. Made our first payment and were reported 30 days late. 

We have acquired the money to get caught up and we are canceling our forbearance and paying the balance this week. I want caliber to remove this 30 day late due to the incorrect information given to us by your staff. We would have never entered into this agreement if we were given correct info. 

XXXX ID XXXX was one of the reps we spoke to last Wed. 
We also had a recent issue with our XXXX fees not getting paid. We have been chasing caliber since XXXX. We have XXXX late fees with our XXXX company. We finally received a letter saying it was paid. The amount of {$48000.00}. Our HoA fees are {$180.00} a year!! They paid someone elses bill out of our escrow. Im furious. 
Im so disappointed in this company. There seems to be issue after issue. 
I want this late removed!!! 
I have emailed and Am waiting on calls back from supervisors in customer service but they never respond. 
Caliber is an unethical and not looking out looking out for their customers best interests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: AMERICAN HONDA FINANCE CORP
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: Account information incorrect

Complaint:
This isn't denying the debt debt but to report that American Honda Finance is reporting inaccurate and inconsistent information across all three credit bureaus which all information being reported to the credit bureaus must be 100 % accurate. Numerous violations are in place and even though American Honda Finance is not a debt collector per the FCRA all information being reported must be 100 % accurate which is a fine of {$1000.00} per violation. XXXX  and XXXX  reports a high balance of {$16000.00} while reporting {$12000.00} on XXXX. This inconsistent reporting is hurting my credit score and even causing me to get higher loan rates by having a higher debt ratio on my report by when loan officers compare my income to debt ratio it'll look higher at {$16000.00} vs if it's indeed {$12000.00}. This reporting also has caused me to get denied job opportunities by XXXX and others by having inconsistent information on this account and having charge off payments being reported when it's not supposed to once the account is closed no late payments are suppose to be reported per the FCRA. The Date Of Last Activity for XXXX  shows XX/XX/XXXX while XXXX  shows XX/XX/XXXX and XXXX  showing XXXX. This account on XXXX  and XXXX shows a later date of last activity which is inconsistent with all three bureaus and is in violation with the FCRA by the accounts would be ILLEGALLY re-aged on how long they would stay on the report. If all three credit bureaus are getting their information from the same creditor how is it that they're all reporting inconsistent information. XXXX  shows this account was an auto loan when in fact it's an Lease as shown with XXXX  and XXXX, The payment history across XXXX  and XXXX  are both inconsistent and shall show with the attachment highlighted. 




I've disputed this account previously back on XX/XX/XXXX and the creditor bureaus and experian did not update the date last date Verified which is a violation with the FCRA by which they're suppose to update the account each time when the file is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To CFPB, On XX/XX/2018 we received a notification from XXXX XXXX that a company called XXXX XXXX had placed an account with Equifax for {$230.00} which we thought was strange because we NEVER received any notification from them letting us know of this debt, obviously bogus or else we would have received a notice. As you know I have had XXXX XXXX going on and this type of behavior on the part of Equifax makes it worse as they know that we are supposed to receive notice from anyone claiming we owe them something, its FEDERAL LAW. Now the law has been violated and there WILL be consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13
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: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this account isnt mines it says i believe open XX/XX/2020 which i did not open or get any type of loan in this month or this year i want it taken doff my credit report i tried disputing it and i keep telling there service i didnt open anything or any type of account for n o such service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a victim of major identity theft. I never made these inquiries recently. I have a edit security freeze and fraud alert on my credit report. XXXX XXXX aloud inquiries to go through that was not done by me. 6 of them was made recently. They need to come off. 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 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX, XXXX Transunion Gentlemen : Please be advised that as a result of my continual efforts to get my credit bureau file corrected, the following issues have not been adjusted : 1 ) XXXX XXXX is still showing a balance on my account. I have attached my communications with XXXX XXXX ( see attachments ) since my last dispute, however XXXX is the only party not removing their account from my credit file. Based on my opinion this appears to be a form of EXTORTION. I had someone dumped into my credit file and XXXX rectified that issue, except for the charge offs. I have gotten all the charge offs removed except XXXX. Please note that only my name can be used to apply information to my credit file and I recently had a fraud alert placed on the account. This issue has created a hardship for me in many ways, including much higher premiums that are not justified! If necessary I have the original envelope and letter that can be scanned and forwarded electronically, that backs up my claim. Please let me know if this is required. 2 ) There are closed accounts still showing from years ago. 3 ) Recently, I used {$500.00} to {$600.00} in credit card usage, well within my credit limit, and suffered a 30 point credit score loss. It was paid within the allowable timeframe and has not been readjusted to the original credit score. Is someone trying to extort something? Please review my issues above and correct my credit file and credit score to more accurately reflect my payment history and credit standing.

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 2020-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
These are not my accounts. Please remove them.

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 2018-07-18
Company: Io, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX a medical account was sent to collections and I had just recently seen that this was something new to my knowledge. I have served in the XXXX XXXX XXXX  fromXX/XX/XXXX-XX/XX/XXXX and had XXXX XXXX that covered my expenses and fees. This is something that I have tried to work out with this company prior. It has been years since and have not received any positive changes towards this account.

Company response to consumer: Closed with explanation