BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-24
Company: JPMORGAN CHASE & CO.
State: WA
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:
I paid my Chase statement balance online on XX/XX/2021. I received an email on XX/XX/XXXX indicating I had a balance due. On XX/XX/2021 I called Chase at XXXX to inquire about the {$30.00} posted to my charge card. I was told the fee was interest from XX/XX/XXXX until the time I paid on XX/XX/2021. I asked how and why interest is charged after I paid the statement balance in full. XXXX apologized for the confusion and told me she was trying to credit my account for {$30.00}, but her request was declined. I asked to speak to a XXXX. I was transferred to XXXX XXXX and asked the same question and was told the same thing. I told him I paid off another Chase account and was not charged interest after I paid the full balance and he indicated I was charged interest and I called Chase and Chase reversed the fee. I asked if he could do the same this time and he said no because it was too much. He also said if I did not pay the fee, I would be sent to collections. 

I asked my attorney to send a letter disputing the charge and they sent a letter on XX/XX/2021. To date, I nor my XXXX  have heard back from Chase regarding the dispute letter. 

On XX/XX/XXXX. 2021, I received an email from Chase indicating my email address was changed. I did not request this change so I called Chase and learned my email address and mailing addresses were changed. Neither were requested by me. When I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was asked to enter my zip code and after several attempts, I learned the zip code on my file was for my attorney 's mailing address. When I was finally able to access my account, I saw messages from Chase indicating they have been trying to reach me and I needed to update my email address. The email address they had on file for me was XXXX. I was told to change it. 

None of the customer service representatives were able to tell me why Chase keeps changing my contact information or why Chase was trying to reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions 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 am interested in disputing all invalid data on my credit report. this is my 2nd attempt please review all data that is hindering my credit report with Experian.

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 2022-08-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Credit collection company continues to harass and reach out to my family members Thru phone calls and text messages. I am estranged from my family and being threatened about the calls I have asked the agencies to not contact any one I have asked for proof of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 3rd request that I am a victim of identity theft and I complain to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
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 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 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 recently have been disputing this account on my credit report. I do not agree with the balance they claim i owe. Well after 3 months of disputing this account for some unknown reason XXXX  XXXX XXXX decided to increase the alleged amount owed. The balance was {$6700.00} which i didn't think i owed that much. Now i just checked my credit and they have increased the balance to {$7100.00}. This is illegal to randomly after 5 years of non payment increase the amount i owe. This is inaccurate information and a 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 explanation
Consumer complaint received 2021-03-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Chase Bank is running a credit card scam in which they offer a promotion, in this case XXXX bonus points worth {$750.00}, if a business applies for their credit card in this case a Chase XXXX XXXX XXXX credit card. 

After the customer applies for the card, Chase sets the limit below the amount required to qualify for the promotion, making it difficult or impossible to get the promotion. 

It is a fraudulent scam by Chase. If 1 million people apply for this promo this represents up to a {$750.00} XXXX fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: WELLS FARGO & COMPANY
State: MI
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:
This company, WELLSFARGODEALERSERVICES, did a hard inquiry online to get information. I never authorized them to do this inquiry. Do to their inquiry, my credit score dropped. What can I do to sue them for fraud? This occurred on XX/XX/2018. I was informed through credit karma on XX/XX/2018. The address is XXXX, North Carolina 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 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is regards to a continuing issue with XXXX XXXX XXXX that I have tried to work out a solution for 3 years. I have made several calls about this matter and providing emails to support my statements. I called XX/XX/XXXX to come pick up the car, that I had went into the United States XXXX, was having some issues with the car and could not afford to keep it. I was sent a form, faxed it back and they would call me with an appointment to come pick up the car. Never heard anything till a couple of weeks I called back again to make an appt. He said someone would come the following Wednesday between 2 and 4 and we verified. No show again. This goes on for about a month with no shows. Finally XXXX, XXXX we call and speak with XXXX XXXX XXXX resend him the form again ( email provided ). He is going to call us back and schedule an appt. NEVER hear from him again. XX/XX/XXXX my mother contacts XXXX  again about picking up the car with no response. ( email provide ) I tried everything working with them with no prevail. I did not want the embarrassment of them coming into my mothers yard in the middle of the night and scaring her when we were willing to schedule an appointment and meet with them. Meanwhile she is paying insurance and taxes on the car. We also called the local XXXX dealer and they would not take the car. Finally on XX/XX/XXXX my mother, which has my POA and is authorized on this account contacted XXXX again about coming to pick up the car. Telling them that if they do not come pick it up she is charging {$20.00} per day. ( email provided ) As of today 's date that is {$7900.00} XXXX owes. We have done all we know to get this matter resolved early on, this is penalizing me credit-wise. The information XXXX is providing is inaccurate to all three bureaus. I have also provide inaccurate billing statement provided by XXXX that are inconsistent with your credit reporting and XXXX  previous response. ( email provided ).

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 2023-01-27
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXX, I filed a CFPB complaint XXXX against XXXX XXXX XXXX XXXX about an alleged medical debt for {$50.00}. I asked them how they got my information and also made it clear that they were violating my privacy under XXXX. They responded that they would cease all communication on the account. On XXXX XXXX, I received a credit report from Equifax, stating that a medical collection was now being reported by XXXX XXXX XXXX XXXX. This is illegal. Medical debts are not permitted under federal law to be reported on a credit report. The company also stated that they would cease communications with me, but reporting to my credit report is a form of communication. More importantly, this is defamation of character because this collections account is now hindering my ability to utilize my credit in consumer credit transactions. This has caused me much distress both mentally and financially and is making me lose sleep at night.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: SYNCHRONY FINANCIAL
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:
XXXX and XXXX state that I have closed three XXXX XXXX Visa Credit Card accounts. Those credit cards never reached my address almost 2 years ago. XXXX XXXX told me at the time that these wont show in my credit report. I only have one credit card with them. I never closed 3.

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 2021-09-01
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My current Mortgage is with Specialized Loan Servicing LLC : NMLS ID Main Office XXXX ; NMLS ID Branch XXXX. I am trying to ReFinance, but the new lender can not move until I settle a Forbearanece with Specialized Loan Servicing LLC. 
I called Specialized Loan Servicing LLC and they stated I do not have a Forbearance. I asked them to send me a letter to such, so I could move forward and they haven't. 
I am caught in this revolving circle. I have always paid my mortgage on time and it was never short. Even with Covid issues everywhere, I was still about to pay the full amount on time. 
The new company stated that some companies actually put Forebeances on accounts without the customers asking for it ; maybe that is what this is. I don't know. I just need to keep this process moving. I don't know what else to do. Its been weeks. I've attached my last payments, my mortgage and another file for your review.

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 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
My personal information has been obtained and misused for a number of fraudulent activities. This has severely impacted my credit and it sucks. Someone has been using my identity and now i am the one stuck with the debt and negative items reporting. I am submitting this complaint in seek of assistance in removing these accounts and getting another start at actually building my own credit myself. I am also submitting identity documentation to clarify that it is me sending in this complaint. Along with those documents i am adding a pdf report from the identity theft website. The report number is # 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 2020-05-24
Company: AES/PHEAA
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The first letter that I am uploading explains I am attending XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

I graduated XXXX XXXX XXXX XXXX XX/XX/XXXX with XXXX XXXX. I worked at the campus departments : XXXX XXXX - XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I received job postings per hiring employers and refferr students to those potential hiring employers. The department will receive feedback with the status of the relationship. 
I did not once receive a complaint from the studemt- employee or employer. 
I returned and enrolled into HDTP. I passed three interviews, and one interviewer offered me a job to practice the yard truck from XX/XX/XXXX to XX/XX/XXXX, drug and alcohol testing or DOT regulations to receive a Commercial Driver License. 
In XX/XX/XXXX, one employer form the college attends the so called Recruitment Day. The employer says, " I will help you get your truck. '' XXXX XXXX - President of XXXX XXXX XXXX, XXXX ( XXXX ). 
I select this employer and he deducts money from my paycheck for a XXXX XXXX semitruck. He then inform me he has sold everything to XXXX XXXX located in Nevada and the instructions are to pay XXXX with XXXX XXXX on the check, money order. The XXXX XXXX, he sells without my consent. 
XXXX then informs me to select another semitruck, XXXX XXXX. XXXX XXXX full throttle and work endless hours to make {$1000.00} per week payments. 
After making payments of 60 weeks, I informed the employer of the right shoulder injury and only can make {$500.00} payment. XXXX   accepted the payment and the following day XXXX XXXX and XXXX XXXX repossess my XXXX and I have a video where XXXX XXXX says, " I am {$200.00} short and one week late. 

I inform XXXX of the swindle, fraud, scam and in return, I received a letter informing of the contents in the letter. 
I attended XXXX for many years and not once did I commit any crimes or the police on me. 
i don't wish these life events upon anybody because my intentions was to become a better person and be responsible. My unalienable rights are violated - life, liberty, and the pursuit of happiness. 
I contacted Law Library of Congress with XXXX XXXX and receive an archive. Assessing the Implementation of the Clean Truck Programs of the Port Of XXXX  and Port of XXXX. Then find the truth about the msclassificetion of XXXX XXXX Drivers. XXXX are not Independent Contractors. We are disguised employees as independent contractors to swindle the hard workers for their money and earned property. 
I made XXXX XXXX XXXX XXXX to hire employees and not swindle, defraud or scam any person who wants to have a better life. 

Several business have violated my consumer rights. I beleive Consumer Federal Protection Bureau will take action and assist me with anything the bureau can assist me with. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
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: Account status incorrect

Complaint:
Hi, Thank you for taking the time to read my complaint. 
First I would like it to be noted that I have already dispute this information with the company and credit reporting agencies directly neither have taken action to correct inaccurate misleading information on my credit report. 
In XXXX of this year I noticed my auto lender XXXX XXXX  paused reporting to the 3 major credit agencies. Upon doing some research it was due Covid-19 in a effort to freeze account statues to limit negative impact to their customers experiencing hardships. However I never requested such a freeze and continued to make my monthly payments  on time each month as I always have. The very next month XXXX of this year when they resumed reporting I got an alert on a credit monitoring site my account was 120 days past due. After seeing this I immediately new this inaccurate I've made every payment on time and have the bank records to support this fact. I disputed this information with the company and the credit reporting agencies each verified it as accurate even though I attached my bank statements for the months in question XXXX- XXXX and XXXX showing I made my payments on time. 
Finally today I decided to reach out to XXXX XXXX  by phone they were no help and said I would have to dispute it again even though they did not corrected the first time. I asked the rep to list all the payment dates of the last year she verified I made every payment on time.. and then proceeds to tell the delinquent payment was from the first month I opened the account back in XXXX of XXXX? and that that's why I got the late payment in XXXX almost 5 years later. I kindly explained to her if my account was delinquent for 5 years they repo 'd the car and I would have been dinged with 30-60-90-120 late payment status a long time ago which you will see in the attached file my account has reported in good standing from the time I go this lone until the time they decided to pause reporting. You will also see the reporting is inconsistent across all 3 reporting agencies for example one of my reports shows 90 days late the next month 120 days late and then next month back down to 60 days late how is this even possible. How can a account be on time in XXXX and then 120 days past due in XXXX when 120 days have not past between periods. I am requesting they remove these misleading inaccurate late payments as it is causing me great hardship I have already been rejected from one lending opportunity because of this please help me correct this misleading information thank you. I have attached my credit report showing my good history until their reporting error as well as my bank statements showing I made my payments on time every month.

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 2020-10-05
Company: Experian Information Solutions Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.

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