BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-31
Company: JPMORGAN CHASE & CO.
State: IL
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:
I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. JPMorgan Chase & Co. violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28
Company: Conn's, 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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: First Credit Services Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After reviewing my credit report, I noticed a collection that I previously told 1st Crd Srvc. Was not mines. They then without any other action reported this debt as being mines. Completing violating both federal and local laws. Before I file a small claims suit against this company for defamation of character, I am asking for the CFPB to intervene for removal of this debt that is not mines and that is a result of identity theft. I have attached my police report showing that I am a victim of someone using my identity without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dates : XX/XX/XXXX, XX/XX/XXXX Amounts : Credit limit {$900.00} Balance {$1200.00} Action being taken by the company is reporting after 7 years which is a clear violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AD ASTRA REC is claiming that I owe them XXXX} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: WV
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 XXXX XXXX XXXX Account # 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

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 2019-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have perfect credit ( attached a copy of their own furnished report ) and use my card and make 1000s of  dollars in payment each month to my card. I've asked Capital One to increase my limit multiple times and they refuse to refuse my financial information but rather point me to an online system that continues to deny my request with unclear reasons ( as attached ). 

I am financially capable of making whatever I charge in a month and have exhibited that with my credit card and others. I'm against opening another line of credit as that could impact my credit age. Attempts to get Capital One to understand that their system gives me errors has gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: The Outsource Group, Inc
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Medicredit did not notify me of any debt and set information to three credit bureaus. 

XXXX XXXX, XXXX  and 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 2020-08-28
Company: AFNI 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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to Merchants Adjustment Service to validate an account they are reporting on my credit report with XXXX XXXX XXXX XXXX. The certified mail letter was received by Merchants Adjustment Service on XXXX via USPS tracking number XXXX. I have not received appropriate validation documents such as the assignment agreement between the original creditor and Merchants Adjustment Service, the original contract from the original creditor that the collection agency should have on file, a record of the payment history, etc, which I requested in the letter. The information being reported on my credit report is incorrect. The company failed to validate this debt and the account is still reporting on my credit report and reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
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:
SOMETIME IN XXXX OF 2016 AN PERSONAL LOAN WAS TAKEN OUT IN MY NAME FOR {$8100.00}. DOLLARS BY XXXX XXXX XXXX. I HAVE TRIED CONTACTING THEM DIRECTLY WITH NO REPONSE FROM 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 2020-08-28
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 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 account on my credit report that has 3 duplicates in 2 bureaus and 4 duplicates in third. The name of account is XXXX XXXX XXXX It has the same account number but different amounts and dates. I'm trying to solve this problem over 3 months and all I get in response is that information verified and accurate. Bureaus updating dates and status on the accounts, But I know my rights and understand that this is VIOLATION of FCRA. Please help me fix this problem. My credit score is hurting by this tremendously. I'm attaching copy of my ID, bureau response and the way accounts appear on my report. Thank you

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 2021-05-22
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal close my account for no reason. I am very frustrated because I cant widraw my money. This money is for my XXXX  XXXX. I cant start again.. this is my paypal account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: EQUIFAX, INC.
State: FL
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 account on my credit report that has 3 duplicates in 2 bureaus and 4 duplicates in third. The name of account is XXXX XXXX XXXX. It has the same account number but different amounts and dates. I'm trying to solve this problem over 3 months and all I get in response is that information verified and accurate. Bureaus updating dates and status on the accounts, But I know my rights and understand that this is VIOLATION of FCRA. Please help me fix this problem. My credit score is hurting by this tremendously. I'm attaching copy of my ID, bureau response and the way accounts appear on my report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I'm constantly seeing inquiries on my credit file inwhich I have no knowledge of and for that reason alone I'm asking that they be removed from my credit file 1, XXXX XXXX ( XXXX-18 )  2. XXXX XXXX ( XXXX-18 ) 3. XXXX XXXX ( XXXX-18 ) 4. XXXX XXXX ( XXXX-18 )

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 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 account on my credit report that has 3 duplicates in 2 bureaus and 4 duplicates in third. The name of account is XXXX XXXX XXXX. It has the same account number but different amounts and dates. I'm trying to solve this problem over 3 months and all I get in response is that information verified and accurate. Bureaus updating dates and status on the accounts, But I know my rights and understand that this is VIOLATION of FCRA. Please help me fix this problem. My credit score is hurting by this tremendously. I'm attaching copy of my ID, bureau response and the way accounts appear on my report. Thank you

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 2021-02-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There was a fraud alert placed on my credit without my knowledge. The active alert stated that inquired about new credit would have to contact me first. This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Upstart Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX XXXX applied for a loan to pay off 3 credit cards. The total loan amount was for {$1000.00} minus a {$70.00} processing fee so loan amount is {$930.00}. I received {$150.00} to my checking account don't know why, a credit card was paid for the amount of {$230.00} and second credit card of {$150.00} which is a total of {$540.00}. There was one last credit card with a balance of {$380.00} that according to them it was paid off on XX/XX/2021. I checked the balance on unpaid credit card and nothing was paid off. I called the credit card company to see if there are any pending payments to pay off balance and they said no. They asked me if they sent it by check I said yes and asked for check # so they can track it and they didn't find such check number. They told me to call Upstart to see the status and Upstart keeps telling me that it's been paid off but I checked Upstart through my app and it does not show no payment to that specific credit card. They said they will investigate and reach out to me but no one ever reached out to me and they still want me to pay them and now balance went up to {$1000.00} when payment is not due yet. The reason I got this loan was to improve my fico but it's making it worst. They said check was mailed out by XXXX XXXX XXXX  which I thought Upstart was the actual lender and on promissory note it states that loans are made through XXXX XXXX XXXX. This seems shady to me which it is actually.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: CITIBANK, N.A.
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.

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 2021-02-06
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
A letter to the Consumer Financial Protection Bureau I pay a Mortgage to Wells Fargo bank. 
When the pandemic started Last XXXX. I was not having a problem with making my mortgage payments. But in XXXX the first part of XXXX. I was informed by Wells Fargo that i could enter into a forbearance program. That my missed payments could be deferred until the end of my regular Mortgage period. I was also told If I did not want My mortgage payments to increase. that i could pay an extra amount to the escrow So that my payment would not increase. So i started paying at least {$650.00} a month. In total i have sent {$4300.00} to the Escrow department at Wells Fargo. My regular payment was {$1300.00}. 
Now in XXXX I informed them that i would try to resume paying my mortgage. I am a retired XXXX XXXX. So i really don't have a full time job. So I am making it with the amount I regularly pay. But i could do better if the payment was a little lower. 
But I was just informed that my new payment would be {$1600.00} I am devastated to hear that even though I have paid about {$4300.00} in to escrow that my payment increases Anyway. as If i had paid nothing. My mortgage is an FHA loan., And i Tried to do what was right.

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 2021-02-06
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have student loans that qualify for PSLF. My initial servicer was XXXX but they are now managed by FedLoans. Initially XXXX and, since the transfer, FedLoans have always presented me with a minimum payment due that was one sum to cover the minimum payment for all my loans. Every time I made a payment it was at least for that amount. Despite this, when I review my PSLF status I see that many of my loans have different numbers of qualifying payments. This should not be the case because I never made payments to some loans but not others. Some of my on time payments were also considered not on time after they were transferred de XXXX to FedLoans. I made a payment inquiry to XXXX and they initially refused to give it to me saying they sent it to FedLoans until I stated that they were servicing my loans making me their customer not FedLoans. They did give me some payment information but it does not show the actual dates for many of the payments causing concern that XXXX did not actually track them accurately and thus FedLoans has an inaccurate count. XXXX should provide a record with exact dates payments were made. They should be held accountable if the minimum payment I made wasnt distributed to the individual loans appropriately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
We have a business account with Wells Fargo. Today after speaking to 4 representatives and spending 1hr and 30 minutes on phone, nothing has been resolved. We last spoke to a respresentative who put us on hold and never came back. The problem is when logging onto online banking on computer it asks for us to update phone and email address. When we click update it tells us to call an number for Wells Fargo. Well we told 4 different representatives this and kept getting transferred to someone else. Nothing has changed with our phone or email so nothing needs to be updated just this message needs to be cleared. This is UNACCEPTABLE to be treated this way.

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 2020-08-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am banking with wells fargo, i opened a line of credit with XXXX XXXX to improve my credit. I sat up automatic payments to come out of my account every month on the XXXX and XXXX on ky paydays for genesis card services to debit money from my checking account to pay of the credit card every month. The first two payments of {$200.00} totalling {$400.00} they tried debiting from my account that had of {$5000.00} in it Wells fargo kept declining the transactions because they assumed it was suspicious activity i told the bank on numerous occassions that its my money pay the company. Wells fargo said they would authorize the payments but they failed to do so. In turn the credit card company suspended and closed my credit card account and reported me negatively to all 3 major credit bureaus. I walked into the wells fargo branch sat down with a manager for her to rectify the situation nothing has not been done. I feel as though as i am being racially discriminated against. I deserve to have good credit like everyone else. They messed up my credit they need to dp something 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 2019-02-20
Company: EQUIFAX, INC.
State: GA
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:
We were under the impression that the credit bureaus were supposed to conduct an investigation, and respond with the results, within 30 days of investigation request. My husband I submitted an investigation request two months ago, and neither of us have heard back yet. We feel like our rights are being violated.

Company response to consumer: Closed with explanation