BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX a charge hit my account from XXXX in the amount of {$10.00}. Within 5 days another charge of {$34.00} was charged to my account as Insufficient funds fee. Then on XX/XX/XXXX, and extend overdraft fee for {$15.00} was charged to my account. I called Chase on XX/XX/XXXX, and asked the to reduce the fee back to the original amount ( {$10.00} ) and I would pay it immediately because I felt it Chase was double dipping on me with the fees. The rep told me that Chase system only allowed them to reimburse me {$4.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-14
Company: RABOBANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Please visit this link for a detailed report : https : XXXX I have paperwork from Bank Manager XXXX XXXX that overdraft attempts will not be permitted on my checking account, yet they try to ram them through anyway. Please make them stop their illegal activity. XXXX is trying to charge without consent ( they are only allowed to use debt card, & only when I request the transaction, not 'automated ach ' or 'recurring scheduled payment ' things ), and Rabobank keeps letting them try to overcharge, which violates the 'Overdraft Protection Act Of 2013 ( H.R. 1261 ) & various other laws. XXXX is essentially trying to steal about {$380.00} from me this way, & Rabobank about {$170.00} in fake 'overdraft fees ', total about {$550.00}. Unfortunately your complaint form deletes return spaces between paragraphs, making things into 'annoyingly unreadable monoliths ', which makes them harder to read & understand, so I have posted the complaint online with additional details ( which will be updated as new information is available ) at this web address. Please visit this link to read the complaint details : https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: DC
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 disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: Sullivan Asset Management, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I received a phone call XX/XX/XXXX at around XXXX from an unknown number at work and the message stated I would be served with papers for a civil claw suit against me within 72 hours if i did make arrangements to pay, and since I had not responded to a letter set to my house back in XXXX of XXXX. They person told me to call another phone number for more information. I called the phone number and was told that I was being sued for an account I had with XXXX that either had bank fees collected over time or that I over drafted and did not repay the money back. he was not sure which. but if I did not set up a payment within 72 hours I would be served to go to court and to pay the court fees along with the amount I owed of XXXX, stating that would equal up to XXXX dollars I would have to pay back. I asked for an email from the company to see what i am being charged for and still does not explain what fees or overdraft document of this bank account.The man stated i would be working with the XXXX XXXX XXXX to pay back the money but not sure who i was making payments to.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-14
Company: EQUIFAX, INC.
State: RI
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:
Yes I checked my report and notice some inquiries I didn't authorize.. 
1. XXXX XX/XX/XXXX 2. XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX/ XXXX XXXX XX/XX/XXXX 5. XXXX/ XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
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: Account status incorrect

Complaint:
Experian is showing a different account status on different accounts

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 2019-05-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I contacted Experian on XX/XX/XXXX to remove a fraud alert on my account that was placed on XX/XX/XXXX. I received online notification that the fraud alert had been removed. I confirmed with a follow up phone call to Experian on XX/XX/XXXX at XXXX. I received verbal confirmation that the fraud alert was removed. 

XXXX have tried to retrieve my account information multiple times since then and have received notices that the fraud alert is on my account still. I called Experian on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Several supervisors told me they " can not do anything '' since " there is no fraud alert '' but my lenders can not retrieve my report still. 

I submitted a complaint to the CFPB on XX/XX/XXXX, ID number XXXX. Experian responded today on XX/XX/XXXX and said that there is no fraud alert on my account. My lenders tried to retrieve my account information today and received the same error message. Experian absolutely did NOT correct the problem.

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 2021-12-02
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: AmeriCash Holding LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Americash issued a loan to me in access of 22.5 % of my gross income which is more than the legal amount for IL My gross income is XXXX and the max amount allowed is XXXX The interest on this illegal loan is contractually void Americash was aware of a first installment loan i had taken out in XX/XX/XXXX, which also disqualified me for a new loan based on my income. 

The contract is void as it violates IL laws Illinois State Information Legal Status : Legal Citation : 815 ILCS 122 et  seq. 

Loan Terms : Maximum Loan Amount : lesser of {$1000.00} or 25 % gross monthly income. Payday installment loan lesser of 22.5 % gross monthly income or {$1000.00}. 
Loan Term : 13 to 120 days. Payday installment loans 112 to 180 day terms.

Maximum Finance Rate and Fees : {$15.00} per {$100.00}, plus a {$1.00} verification fee Finance Charge for 14-day {$100.00} loan : {$15.00} APR for 14-day {$100.00} loan : 403 % Debt Limits : Maximum Number of Outstanding Loans at One Time : Two Rollovers Permitted : None ( can not rollover ). Payday installment loan can be refinanced one time during term.

Cooling-off Period : 7 days after 45 consecutive loan days. Payday installment loan max 180 days in debt.

Repayment Plan : Yes. After 35 days, if payday loan unpaid, right to at least 55 days to repay in installments with no added cost.

Collection Limits : Collection Fees : One {$25.00} NSF fee ( Presentment limit = 2 ) Criminal Action : Prohibited

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company is over changing me this loan i need them check out. 
The amount was {$8900.00} that had to be pay off in 144 months it was pay off in 39 months the least statement said that I need to pay {$310.00} to pay this loan off I pay {$320.00}. now they saying that I owed {$57.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
the inquiry listed below are not mine, some make no sense as it is obvious from my credit report that I am on bad terms with a few of these banks. I try to contact TransUnion for multiple issues including this one, they always respond that im wrong and then I always go back and have the creditor fix the problem because even they acknowledge I was right ( I.E the collection account with XXXX XXXX ). Transunion said I was wrong, but yet i got XXXX  to remove the account. 

Transunion Inquiry : XXXX XXXX XXXX via XXXX | XX/XX/XXXX XXXX XXXX  XXXX via XXXX | XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XXXX XXXX via XXXX XXXX| XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX| XX/XX/XXXX XXXX XXXX XXXX via XXXX   XXXX  XXXX | XX/XX/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 2018-08-11
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 VISA card to purchase interstate moving services from XXXX XXXX XXXX XXXX. I made cash payment for the services to XXXX XXXX  XXXX XXXX, but the merchant charged my VISA card {$810.00} as well. I spent several months trying to resolve the issue with the merchant, but the moving company was unresponsive. Therefore, I disputed the charge with Chase. My dispute and appeals to Chase did not result in an attempt from Chase to reach out to me for further information or clarification. In fact, Chase sided with the merchant on the dispute. In addition, Chase appeared to be 'pencil-whipping ' through the previous CFPB dispute effort just to clear the dispute off of the CFPB 's list. Chase was and continues to be unwilling or unable to perform additional research or due-diligence with respect to this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX I called equifax @ XXXX Asked for the fraud dept spoke XXXX employee id # XXXX the person hung up on me three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: EQUIFAX, INC.
State: OH
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 expressed this situation to my attorney and XXXX is violating the FCRA laws pertaining to bankruptcy. All of the " account statuses '' should state " CLOSED ''. The account statuses says derogatory. I have contacted XXXX XXXX XXXX and they will be representing me on this dispute. I have requested numerous times to put the correct information on my credit report and they refuse too. This is the final attempt before involving the courts. Most of the accounts were opened due to fraud and the companies refuse to send the documentation I requested. XXXX, Equifax, and XXXX are all violating the FCRA Bankruptcy consumer laws. No one should have to endure this and it is utterly ridiculous that these 3rd party companies would rather be sued than to do the correct thing. Law states if the companies do not respond in 30 days the accounts are to be removed. I have repeatedly gotten emails stating 60 days and that is definitely not the laws. Also, my name is not XXXX XXXX nor has it ever been XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Experian Information Solutions Inc.
State: DC
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 have our mortgage and HELOC valued at {$100000.00} with XXXX XXXX XXXX, of which about {$16000.00} is owed. We recently arranged a bill payment from another bank ( XXXX XXXX using the HELOC account number printed on our statement. However, the payment was not credited to the loan value, and was reported to the three credit  agencies as 30-days past due. 

We have requested that XXXX remove these entries. To do so, they instructed that we file disputes with the credit agencies - which we did. However, XXXX affirmed the 30-day past due status. They take no responsibility for providing the account number on the statement, which we used but the payment was not properly credited. Consequently, our credit record incorrectly reflects this error. We have requested that this entry be completely 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 2020-12-23
Company: Nelnet, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
TO WHOM IT MAY CONCERN, XX/XX/XXXX have contacted me numerous times I do not know who this company is I never signed anything with this company telling me they are operating on behalf ofXX/XX/XXXX nor do I know who XX/XX/XXXXXX/XX/XXXX Im constantly being harassed by this company. 
PURSUANT TO 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is " the term '' credit card '' means and card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This should be removed from My consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ) AND 15 USC 1681a ( 2 ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: FL
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 have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX XXXX verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Dovenmuehle Mortgage, Inc.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
WE HAVE SUBMITTED APPLICATION FOR MORTGAGE ASSISTANCE AND SUBMITTED EVERY DOCUMENT THAT IS REQUESTED FROM US HOWEVER WE CONTINUOUSLY GET REQUEST FOR PAY STUBS XXXX IS XXXX XXXX XXXX XXXX HE GETS DIRECT DEPOSIT OF HIS XXXX XXXX   INCOME WE HAVE WRITTEN A LETTER OF EXPLANATION AND PROVIDED A PROFIT AND LOSS STILL GET ASKED FOR PAY STUBS. THERE IS NO PAY STUBS I FEEL AVY EXTENSION # XXXX DOES NOT KNOW WHAT SHE IS LOOKING AT AND WOULD LIKE MY FILE TO BE REVIEWED BY ANOTHER PROCESSOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Comenity Bank continues to harass me about a debt from the store XXXX XXXX XXXX, I can not pay. I am on Social Security XXXX. They left a message stating they were " Specialist Agent '' as if they were with the FBI or government and made it sound threatening like they may arrest me or something. They have called my mom on her cell phone and I have never given them her cell phone number. The debt is for around {$1300.00} dollars and they call all the time and will not leave me alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08
Company: EQUIFAX, INC.
State: DC
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 have our mortgage and HELOC valued at {$100000.00} with XXXX XXXX XXXX, of which about {$16000.00} is owed. We recently arranged a bill payment from another bank ( XXXX ) using the HELOC account number printed on our statement. However, the payment was not credited to the loan value, and was reported to the three credit agencies as 30-days past due. 

We have requested that XXXX remove these entries. To do so, they instructed that we file disputes with the credit agencies - which we did. However, XXXX affirmed the 30-day past due status. They take no responsibility for providing the account number on the statement, which we used but the payment was not properly credited. Consequently, our credit record incorrectly reflects this error. We have requested that this entry be completely removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Experian Information Solutions Inc.
State: FL
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 have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Solution Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2019-01-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I disputed fraudulent information on my credit report beginning XX/XX/XXXX. I have provided 2 police reports and numerous other information but still they are leaving on my report fraudulent accounts with XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX   XXXX. I have even provided an internal fraud report number for XXXX  after visiting a local office. I was not even in the country when this happened. I was XXXX XXXX military. Equifax has done nothing but tell me that I have to provide more information. I am about to lose my home which will make my family homeless. I faxed Equifax a police report on XX/XX/XXXX and they stated they required a different format which I faxed them on XX/XX/XXXX. I have fax confirmations. This is after several letters dating back to XX/XX/XXXX. Spoke to XXXX at Equifax. 

I did send the same to XXXX and they have removed it from my credit report while it is being investigated. They should have been done with their investigation as I started this in XX/XX/XXXX. Spoke to XXXX at XXXX. I have a copy of the return receipt for XXXX. 

XXXX  has removed it and has been good to work with. 

Equifax has been very difficult on every level.

Company response to consumer: Closed with non-monetary relief