BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-27
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
TL : DR Chase provides preferential treatment to customers who communicate with Chase via telephone. 

I has recently contacted Chase regarding an issue on its website that made it difficult for me to write short messages to Chase regarding problems with my account and with the use of Chase 's service that the bank advertises and makes available to other customer.

As you can see from the attached response from Chase, one of its representatives informed me that Chase will not be able to address my issues unless I contact Chase via the use of a telephone service. Chase had never described to me what specific information it needs from me that I can only provide to its representatives via telephone. The only explanation that Chase had was that its employees who support information technology services are not able to communicate in writing nor via electronic messaging systems nor via United States Postal Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: Experian Information Solutions Inc.
State: MI
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 have filed a police report on these accounts and they were deleted from my credit report then put back on a month later! XXXX XXXX was opened XX/XX/XXXX in Michigan. I dont even have a Michigan Identification or DL and I havent for years. This car was stolen and I was sent a letter that it was in impound and picked up by XXXX XXXX. The balance shows {$24000.00}. Please remove this from my credit reports ... all 3! Also, XXXX XXXX XXXX was opened XX/XX/XXXXand has a balance of {$1200.00}. I did not open that account. I only have one account with XXXX XXXX XXXX  to which Im just an AUthorized User. There are also several debt collection agencies from XXXX XXXX XXXX with balances of {$580.00} and {$530.00} from XX/XX/XXXX. Another from XXXX XXXX in the amounts of {$430.00} and {$290.00}. Also XXXX XXXX XXXX XXXX. My personal credit bureau information was stolen, addresses were changed, and my Michigan address is being used even though Im never in that state. Please help me get these inaccuracies off my credit. There are also 29 INQUIRIES that I did not authorize or do that were already removed and appeared to my credit again

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 2019-11-17
Company: EQUIFAX, INC.
State: NJ
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:
Merchant took exceptionally long time to process crediting my account. The account XXXX XXXX XXXX ending in XXXX should reflect a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I've tried many times to resolve this issue over the phone, instead I've been left on hold for a long period of time.Due to my busy schedule, it was very difficult to get this matter resolved. Ive sent many letters to the Credit Bureaus and nothings was done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Experian Information Solutions Inc.
State: NJ
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 asked XXXX, Experian and XXXX  to remove erroneous bankruptcy information from my credit report multiple times. Nothing has been done. There is a chapter XXXX that is being reported with the incorrect middle name because it was filed with the wrong information. I would like for it to be removed.

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 2021-09-16
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Around the end of XXXX I responded to an ad on parent company PayPal 's site for a {$10.00} bonus for opening a Venmo account and verifying your number. I did so and was first told by Venmo that I would receive the bonus on XX/XX/XXXX, XX/XX/XXXX at the latest. XX/XX/XXXX came and went, and now on XX/XX/XXXX they're changing their tune and passing the buck

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-26
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: Account status incorrect

Complaint:
I have tried several times to get the late payments reversed on this account! I am very upset that I have NEVER missed a payment. I need this adverse action removed from my credit report as I am an XXXX  and this is causing headache to get approved from banks as I never miss my payments! Please remove it IMMEDIATELY. I have attached a bank statement and my identity proving me as the right person, and that I have always paid my payments on time. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Phone : XXXX XXXX Equifax XXXX Account # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have tried several times to get the late payments reversed on this account! I am very upset that I have NEVER missed a payment. I need this adverse action removed from my credit report as I am an XXXX and this is causing headache to get approved from banks as I never miss my payments! Please remove it IMMEDIATELY. I have attached a bank statement and my identity proving me as the right person, and that I have always paid my payments on time. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Phone : XXXX TransUnion XXXX XXXX Account # 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 explanation
Consumer complaint received 2018-07-16
Company: Experian Information Solutions Inc.
State: OR
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 have a credit fraud alert on my 3 credit bureaus. Even with the fraud alert the 3 credit reporting agencies continue to allow my credit to be pulled with out my permission. Credit inquiries count against my credit scores. 95 % of the 50 plus credit pulls are not because i have requested my credit to be pulled.

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 2018-07-07
Company: Experian Information Solutions 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:
On EXPERIAN, XXXX XXXX XXXX, ACCT. NO. XXXX IS REPORTING INACCURATELY.I have tried to remedy with multiple disputes to Experian and XXXX. 
AMONGST THE NUMEROUS ERRORS OF THIS CARELESS REPORTING I AM INCLUDING PROOF THAT EXPERIAN CAN ACT ON UNILATERALLY WITHOUT CONSULTING THEIR SUBSCRIBER ... ... ... 
ON THE ATTACHED REPORT, XX/XX/XXXX PAYMENT SHOWS OK ON TIME, FOLLOWED BY XX/XX/XXXX SHOWING 90 DAYS LATE, AN IMPOSSIBILITY. 
I WOULD LIKE FOR EXPERIAN TO DELETE THE PAYMENT HISTORY IN ENTIRETY. 

ALL OF THE LATES WERE CAUSED BY XXXX AUTOPAY A SYSTEM THAT SENT BACK PAYMENTS TO THE BANK OF ORIGIN WITHOUT NOTIFICATION AND THEN GAVE ME THE LATE PAYMENT HISTORY, THAT IS THEIR FAULT. 
PLEASE FINE EXPERIAN FOR THEIR LACK OF ATTENTION TO MY DISPUTES AND PUBLISHING LATES THAT ARE IMPOSSIBLE TO ACHIEVE.THIS PYMT HISTORY HAS NO VALIDITY, ACCURACY OR INTEGRITY FROM THE SUBSCRIBER.

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 2018-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked my credit report from XXXX, XXXX and Transunion and saw and incorrect account being reported. Ive contacted the collection agency and they were unable to validate the debt. They threatened to sue if I didnt pay the debt but provided no information. I want the debt removed as it 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 2019-05-09
Company: ALLIANT CREDIT UNION
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Alliant credit union closed my account ( XX/XX/2019 ) but it has been close to a month without sending back my money ( over {$2900.00} ). I can not login online. I called them on the phone and I was told someone would call me back but no one did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I contacted Firstmark Services to inquire about my loan terms because what I was seeing on my " welcome letter '' didn't match with my expected loan terms from XXXX XXXX. Roughly six weeks ago, and four or so additional times between now ( XX/XX/2021 ) and then, I asked Firstmark to send over their copy of my original promissory note so that I could verify my loan terms. They repeatedly told me that it would be coming " in a few days '' but have so far never delivered. I am concerned because those loans are coming due and I want to make sure I'm paying the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: Avant Credit Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am an XXXX XXXX XXXX XXXX Member, and I believe I entered into a contract with Avant under false pretenses via XXXX. Avant either should not have lent to me, or I should have been offered the 12 % interest cap, XXXX the Virginia Usury Law 6.2-303. My account was opened in XX/XX/2015, I resided in the state of Virginia during the time the loan was opened. I am simply asking for my case to be reviewed for fair practice as it pertains to the interest and Virginia law, if an adjustment can be made it would be much appreciated. Ironically I found out about the Virginia Usury Law, as a result of the Virginia Attorney General auditing another account I had with a different loan company, and informing me that my interest would be decreased due to predatory lending practices of that company ( this was unknown to me until I was contacted by the state Attorney General ), hence the reason I am looking into my loan with XXXX, in addition this astronomical payment is causing a hardship on my family, due to military relocations and my husband 's loss of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: SYNCHRONY FINANCIAL
State: NY
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:
With Synchrony, let them know that my bank account information had changed and updated in its system. They continued to try and seek payment from the cancelled accounts, despite my letting them know, several times, those accounts had been closed. This caused me to get late payment fees and hurt my credit score.

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 2019-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Merchant took exceptionally long in processing a return. Account has a XXXX  balance, this should be immediately, updated with the credit reporting agencies. CAP ONE/NEIMAN MARCUS account XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, 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:
XXXX credit inquiry 8 times in XXXX XXXX XXXX XXXX XXXX 2 times in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: TX
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:
Equifax is violating the CARES Act of 2020 due to fraudulently reporting my federal student loan as delinquent or in default. Due to the CARES Act of 2020, ALL federal student loan payments have been suspended until XX/XX/2020. Equifax has again shown itself to be INCAPABLE of maintaining current or truthful information for individuals ' credit reports. Equifax needs to be CLOSED completely due to their incompetence or it needs to be SANCTIONED for fraudulent credit reporting practices. Hardworking Americans already have enough to deal with without Equifax tanking credit scores because it too lazy or XXXX to stay on top of current information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX  Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX : # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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 2018-02-13
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
i was put on XX/XX/XXXX hurricane financial assistance relief with XXXX XXXX credit card division of first national bank of omaha n instead of assisting me they close my account down as was not receiving statement as claim and they refused re open account n correct all deliquencies, they claim i so called owe XX/XX/XXXX and XX/XX/XXXX bill when was not getting paper statement they claim were mail out XX/XX/XXXX i paid XXXX XXXX dollars n instead of getting a paper statement claiming i owe for XX/XX/XXXX XXXX XXXX dollar n was hit with a XXXX XXXX dollars late fee then they sent me a bill for XX/XX/XXXX in amt of XXXX as i wasn't getting statement of bill they claim they sent me as want them strip of banking n credit card privilige and violating the hurricane disaster relief law of XX/XX/XXXX plus i was told i didn't owe anything till XX/XX/XXXX and instead i being lied to n account was shut down n not corrected as promised

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 2018-07-07
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was trying to help a friend bail out of jail. I was to talk with his mom and help take paperwork to bail bonds. He was frighten in jail and thought that he might get hurt. So I was trying to help when I got to XXXX 'XXXX XXXX   XXXX XXXX his mother did not show up to do paperwork I brought the money to bail him out but she was suppose to sign for him. I just met the guy when I was in court for a ticket. They told me he would not get out unless his mom was there. I said in well I did what I could. Then the guy told me if I gave him the money and my name he could get him out. I said are you sure he said yes. I said ok. The inmates name was XXXX XXXX date was XX/XX/2016. I would like for them to take this off my credit because never signed up to pay this myself. Please talk with them. Thank you XXXX XXXX. That's all the information that I have they wouldn't even talk with me. XXXX XXXX XXXX. XXXX XXXX XXXX {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened a CareCredit account in XX/XX/2021 to pay for a XXXX for a pet. The card has no interest payments for 12 months. My goal is to pay the card off during the first 12 months to avoid paying any interest. I paid {$450.00} on XX/XX/XXXX. This amount is equal to XXXX of the total amount. In XXXX I received an email stating that my XXXX payment was late and they were charging me a {$29.00} late fee. I contacted Synchrony Bank, the issuer of the card, and they removed the late fee because it was determined they never notified me that a payment was due. They also agreed to allow me to make a payment on XX/XX/XXXX in the amount of {$450.00}, and to start automatic payments for the month of XXXX. However, they didn't deduct the funds from my account for the month of XXXX and told me no payment was necessary until XX/XX/XXXX. I called on XX/XX/XXXX to discuss why no payment will be made for the month of XXXX. My call was disconnect 3 times, even after I asked the customer service rep to make sure we wouldn't be disconnected, due to the long wait times. I'm frustrated with the process because they don't listen to me and kept telling no payment is due for XXXX. I explained to the CSR many times that I didn't want to accrue any interest on the account. All I want to do is to pay 12 equal monthly payments. They are making this process very difficult. It seems that they are doing everything possible so I won't pay the card off in 12 months so they can make more money on the accrued interest.

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 2020-05-12
Company: Student Assist Plus LLC
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been getting billed {$29.00} every month for the past 4.5 years from a firm called XXXX XXXX XXXX XXXX XXXX They have mentioned that they were affiliated with XXXX XXXX. This has been extremely frustrating and due to this pandemic, this is definitely not helping financially. The message below is a short message intro. when I first joined : " Date Type Detail Action XX/XX/2015 Welcome Hi XXXX, Thank you for your enrollment in our service. We are pleased to have the opportunity to provide you with exceptional customer service and support. 

Please do not hesitate to contact us should you have any questions. Toll free customer support line - XXXX Sincerely, XXXX Customer Service ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: JPMORGAN CHASE & CO.
State: KS
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:
On XX/XX/2017, I used my Chase XXXX  credit card to purchase some interstate moving services from XXXX XXXX XXXX XXXX. I made a payment to XXXX XXXX XXXX XXXX. with my XXXX card of {$810.00}. However, the moving company did not deliver many of the goods that I contracted them to pack, move, and unpack. I spent several months trying to resolve the issue with the moving company. But the the moving company was unresponsive. Therefore, I disputed the charge with Chase. My dispute and appeals to Chase did not result in a significant attempt from Chase to reach out to me for further information. In fact, Chase sided with the merchant on the dispute and appeals. In addition, Chase appeared to be pencil-whipping through the dispute effort just to clear the dispute off of the CFPB 's list. Chase was and continues to be unwilling to perform additional research or request further documentation in an effort to investigate the transaction.

Company response to consumer: Closed with explanation