BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-17
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021, I noticed 4 charges from Amazon that posted on my Chase credit card account that I did not make or authorize. The fraud charges totaled up to {$1100.00}. I called Amazon and verified that my credit card information was found on another customer 's account that turned out to be under my ex-roommate 's name. When I called Chase, the bank informed me that they had sent out an updated credit card with a tap feature in the mail, however I had never received the card in the mail and suspect it was stolen by my former roommate. I filed a police report and disputed the fraud charges with Chase. I provided Chase copies of my Amazon purchase history and the police report number. However, Chase denied my fraud dispute and did not provide a reason as to why as it was denied. Chase never informed me that they were sending me an updated card and I believe my rights as a consumer were not protected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: AZ
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 ; Account name : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX Account name : XXXX XXXX, XXXX, XXXX ; Account name : XXXX XXXX ; Account name : XXXX XXXX ; Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, XXXX ; Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, XXXX ; Account name : XXXX XXXX XXXX 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.

15U. 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 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 reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: INTERCONTINENTAL CAPITAL GROUP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX ID : XXXX My complaint was closed based on lies provided by ICG Lender with their response. Below are the details, please reopen my case and investigate. 

ICG clearly LIED in their response and I have proof. Their detailed explanation on XXXX XXXX XXXX ( loan no XXXX ) appraisal is a big lie. I submitted the filled with credit card details and signed appraisal authorization form to ICG for XXXX XXXX XXXX on XXXX XXXX. They are lying that I never gave them that and I have the email conversation proof with attachment. I was never approached about payments and failed payments as they're mentioning regarding XXXX XXXX XXXX appraisal despite of numerous follow ups from my end that I already submitted. The only contact they did about the appraisal according to their response was on XXXX XXXX which is about a month after my submission and numerous follow ups. Why wait a month for something so basic? Isn't it negligence to wait for a month to respond despite numerous follow ups from customer with mortgage closing? XX/XX/XXXX is the first contact where they said they can't meet the deadline, they never gave the reason WHY and they didn't say WHY in their response except the lies about appraisal payment which I have proof for. I told them about my appraisal form submission that I did on XXXX XXXX multiple times via emails ( I have emails ) and no action taken. Now they are lying that they never got it. It is nothing but ICG 's negligence that costed me loss of Earnest money and the deal. Pls do not close this complaint based on their lies as I have proof of appraisal authorization submission with me. Attached is the email thread where I submitted the appraisal authorization form to XXXX at ICG on XXXX XXXX. XXXX confirmed numerous times over the phone and email that he received it and was submitted to the concerned parties internally.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Below sent to Bank in PDF letter To whom it may concern, on XX/XX/XXXXI got an alert via email that a debit of XXXX from a XXXX XXXX in XXXX, FL came through my chase checking account at XXXX XXXX. I was confused as I was home in XXXX and never go to a XXXX XXXX. I immediately called the Chase customer service number provided n the email, once connected I begged the rep to cancel my debit card, only to be passed to another rep who asked me the same questions. During the inquisition two more debits came through my account from a XXXX in XXXX, at this point I begged the rep again to cancel my debit card. Finally he did, but to late as nearly 1000.00 was out of my account. A claim was filed with the fraud department with chase. Keeping in mind this all started at XXXX XXXX. I was assured it would be investigated and researched with these merchants. I looked up the XXXX store number indicated in the debit transaction, I was able to file a loss prevention claim with XXXX XXXX. The store manager for that location did verify my debit card was processed for two amounts of 400.00 plus, when he checked with his front desk clerk, she confirmed someone purchased gift cards? He said once the police or my financial institution contacts the store, he would provide all information and video footage. To my surprise and dismay, no investigation or research was done by Chase. I received an email on XX/XX/XXXX stating the money would not be credited to my account. I called the claims line immediately and was advised it didnt warrant research. After begging and crying the rep re-opened he claim to a higher level. Then notifying me via letter on XX/XX/XXXX it was denied again. I myself called XXXX XXXX who confirmed chase has never investigated. I am disgusted that as a customer this is how I am treated. I live in XXXX and have never had any transactions in XXXX, in addition who spends nearly 1000 at a gas station? Also you have proof I was on the phone with your reps during the two transactions. I have the right for this to be researched properly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-17
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection letter back in XXXX when I was residing in XXXX florida from a company by the name of Procollect for the amount of {$8100.00} resulting from XXXX XXXX. As a result, I never heard of this company or the apartment complex XXXX XXXX. The letter stated that I lived there back in XXXX which I never lived there. As a result, I contacted the company I 've gotten no response as well as disputed the fraudulent information off of my credit report they have denied my dispute and causing a huge issue on my credit history as well as credit score. When I contacted the Renter XXXX XXXX I was told they have never heard of me and they have no record of me in their system whatsoever.I do n't even know if the company Procollect is a legit company because they wo n't give out their license number as well as remove this off of my credit report. They used to send harrassing debt letters in the past which I disregarded with this outrageous balance.This company is a fraud 180 customers have complained about this company falsely accusing people of a debt that is not theirs. Also, customers have complained about this company not resolving their issue.

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 2021-12-07
Company: RS Clark and Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX handwritten moveout notice provided and emailed confirming move out intentions in XXXX ; reminder or moveout provided in XX/XX/XXXX XX/XX/XXXX damages to my personal property and damage to their property as a result of a flood XX/XX/XXXX approximately Health and Safety Code violation preventing living in an apartment as a result of contamination in ventilation systems affecting breathing. XXXX XXXX so-called repairs included placement of an odor eliminator in the vent that further mixed chemicals impacting my respiratory system Moved out XX/XX/XXXX and found out on XX/XX/XXXX of a rental collection for {$2800.00} entered on a credit ( XXXX ) report by RS Clarks and Associates . I disputed the information through Credit reporting agencies ( XXXX, XXXX Desk, XXXX, XXXX and requested validation of the debt and documents utilized regarding the investigation that was not supplied. No proof of a XXXX XXXX XXXX investigation documents was provided. 

XX/XX/XXXX RS Clark and Associates submitted a bill outlining fraudulent alleged charges. CFPB did not thoroughly investigate the case and closed the complaint. 
I m

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Good morning. As we are trying to buy a house, a delinquent notification of an account showed in my credit report from a company called XXXX XXXX XXXX XXXX. I reached to this company and they told me its a debt from XXXX. I have call over a dozen times to this people and have provided them with the info they have asked several times. My mother was a XXXX XXXX and as I was in the XXXX, she used my information to acquire services under my name, like Cable TV and now this. We didn't know until things started to pop up. She died last year of complications from XXXX/XXXX. I did my investigation and she got this XXXX account because the representative at a mall kiosk in PR was her friend and they used my info for her to get 2 cell phones. That employee no longer works there. I have told them the same thing over a dozen times and provided them with all the information. They said they will take it of my report. This has been going on for a while now and they continue to reach out to me. My credit score went down in a huge way thats to them pushing this in to my report and my house buying process is now at a stop due to this. Please, this is getting overwhelming and as I dig in the web, there is nothing but stories and complaints from this company. 

Please Help. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Fraudulent 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 2018-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Not really sure about trans union credit scoring compared to the other 2 credit bureaus, they have the same things, same dates, same information, yet they are almost XXXX points different with XXXX, and XXXX on XXXX, there 's not difference on all three reports, same information, I called transunion and was told it 's a different scorning system. The problem is I have tryed to get financing and all the vendors use transunion, it 's affecting my livelihood, there should not be that much different in the scores, you ca n't have a A rating with one a B with another, and a F with transunion, they have to be some what close, I understand there might be some differences but not XXXX and XXXX ... they would not answer my questions, and told me it 's not there problem and nothing they would do about it, my score has dropped from a good score to a XXXX in the last few months with no reason..all they had to say my name had a XXXX on it and I told they I am not a XXXX, they would check and let me know by mail that 's was over 45 days ago, but no help on the difference on the credit score, I am going to talk to a lawyer about this my credit is very important to me as I am self employed ... HELP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I am currently stationed overseas and I was out with some friends when I misplaced my phone, I ended up finding it later that day and everything seemed fine with my phone. On XX/XX/2020, I noticed that there was a XXXX cash advancement pulled out on my credit card and the following day there was a loan taken out under my account. I myself did not take out this loan or request the cash advancement, so immediately after finding out I went into Navy Federal branch and started a Fraud claim process with them. I got all the help I needed to fill out what was needed and submitted the claim. I was told I would have to wait about 15 business day for the outcome of the claim. As the claim was going through, they removed the loan and reversed the XXXX cash advancement. As the 15 days came closer I realized that the loan and the XXXX was posted on my account again. So I took it upon myself to call Navy Federal and ask what the outcome of the claim was and the lady I spoke with said that my claim was denied. She informed me that I could do an appeal on the claim and sent me the form that I needed to fill out for the appeal. I was heading back home to the states for the holidays at this time, so when I got back to the states I went into a branch and got help with the appeal. The clerk helped me fill out the form and I submitted the appeal along with screenshots of the activity that was happening with my accounts. Whoever applied for this loan and requested the cash advancement, also hacked into my cash app, XXXX XXXX  and XXXX. They used those three applications to transfer the funds to other accounts. The names on those accounts I have never associated with before. I am appalled by the lack of security by Navy Federal, the loan should have never been approved because first there is no hand signature. Anyone can fake a digital signature, and two it should have been an in person process not an online process. I don't believe that Navy Federal did a thorough investigation of the activity. I would like to see all documentation and validation supporting this investigation on my account, in order to validate that my information was not compromised by staff or employees of this financial institute or any affiliated financial institute connected to these transactions. 


In the images attached, as you can see those names and phone numbers can be linked to someone. I don't know who those people are and have never sent money to them ever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: State Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On the following dates, I have received automated phone calls from XXXX to my cell phone : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Researching this number in XXXX  identifies the caller as State Collection Service , Inc . In one instance, an automated message was left on my voicemail. I have never given State Collection Agency permission to contact me at this number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Suttell, Hammer & White, P.S
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX a man knocked on my door an gave me a package of Summons. 
The tittle of the summons is In The XXXX County Court In And For The State Of Washington XXXX Division- XXXX CourtHouse . 

Plaintiff, XXXX XXXX XXXX, XXXX XXXX. 
NO. Summons. Lawsuit has been started against me. Plaintiff claim is stated in the written document complaint, a copy a copy is served upon me with this Summons. 

This Summons is issued pursuant to Rule 4 of the Civil for Courts of Limited Date this  XX/XX/XXXX. From Suttell & Hammer, P.S. 
XXXX XXXX XXXX ; XXXX. WA XXXX. 

This is Electronically File on XX/XX/XXXX. XXXX XXXX County District Court. 

Current balance amount of {$17000.00}. 

XXXX XX/XX/XXXX XXXX XXXX was merged into and under the charter and file of Plaintiff effective XX/XX/XXXX. 

This collection is not mine, be cause back in XX/XX/XXXXI was the most valuable customer in XX/XX/XXXX XXXX XXXX. Also, I have no currently the owe such an amount. 

Please give an advise what to do. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Applied Data Finance, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was referred to this company through XXXX XXXX which I took to be a reputable company because of the referral. I was skeptical because I have a chapter XXXX filed 3 years ago and sub par credit. 

I was granted a XXXX dollar loan which I expected to be a high interest loan. My complaint is that on top of the accrued daily interest they charge me they added XXXX dollars to the balance from day one. 

In looking at their terms more closely their rates and fees are not fair and are considered predatory in giving loans to someone who frankly cant afford to pay it off and I feel that is their game which ends up in collections where the balance due will balloon with fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: LAKEVIEW LOAN SERVICING, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We sold our home on XX/XX/2020. We have a settlement statement in hand and have confirmed that it is recorded with the county. Lakeview Loan Servicing received the payoff. But our credit reports show that, in spite of the loan being closed and paid in full, our " current payment status '' is not in good standing and is " 90-119 days past due, refuse to pay. '' This shows on our credit report in payment history during XXXX of 2020. That is after we sold our house and should not have had any payment information to report from Lakeview Loan Servicing. We are business owners and this has negatively impacted our ability to finance and operate within our company. We have tried reaching an agent at Lakeview, but they have a fully automated phone service. We have tried every option in their automated system to reach a real person and can not get through. I logged into my account in their system and they don't offer any ways of reconciling this other than their contact us page. No portal for disputes or complaints. Someone made an error that is having a major impact on my life and I can't find a way to hold them accountable or get them to fix it.

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 2021-12-07
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is not mine. Some had used my information without my knowledge to initiate these account. I have applied for credit and got denied due to the fraudulent account. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner. 

Date : XX/XX/2021 Amount : {$420.00} Filed FTC report and contacted original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Experian Information Solutions Inc.
State: AL
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 reported Identity theft to Experian regarding XXXX and provided a police report and Experian stated that they verified but never provided the method of verification. The account is not mine and I have never applied or made any transactions with XXXX. Affirm need to be deleted/removed off 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 explanation
Consumer complaint received 2018-01-19
Company: Big Picture Loans, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I started the process of applying for a loan with Big Picture Loans. I had decided I was n't going to go through with it so I did n't call them to finalize the loan. They put the loan through anyway. Plus, I did n't get informed of the very high interest rate until after the loan was processed. The loan was processed on XX/XX/XXXX for {$970.00}. I have paid {$570.00} to them since that time and the loan company says this is interest paid only. I ca n't afford this.

Company response to consumer: Closed with explanation