BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To whom it may concern : I have made numerous attempts at contacting Chase to file a claim regarding an incident that occurred on Sunday XX/XX/XXXX at XXXX at a local branch in which a stranger deposited a fake check into my account and then withdrew {$950.00} from my checking and left. He had done this despite my efforts at telling him not to. I contacted Chase immediately after andI filed a police report and Chase reps reported that they would file a claim. During that same week {$900.00} had been returned to me as a conditional credit in lieu of their investigation and just today I saw that the claim had been reversed and the {$900.00} had been taken out of my account. I have spoke to the chase reps and none of them have been able to help me. They either tell me to hold ( up to hours ) or they tell me that they will " look into it '' and never get back to me. I would like to know why the claim has been reversed. I read online similar incidents from people who also have Chase. I would like to have a supervisor from Chase contact me so that I may speak to them about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft 01 CAPITAL ONE N A Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Credit Karma, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently bought a watch on credit. I received two hard inquiries on my credit report. One from XXXX and the other one XXXX XXXX. XXXX says its a national credit card and airline while XXXX XXXX says jewelry and cameras. I called XXXX but they told me I would have to take it up with the credit bureaus and XXXX XXXX ( the company that I actually bought the watch from ) said that XXXX XXXX is incorrect and it would not come up as cameras and jewelry. Ive looked at my paperwork Ive received from XXXX XXXX at time of purchase and I believe that XXXX XXXX is in fact the company that gave me the line of credit. So I am basically just concerned about this XXXX XXXX hard inquiry. My credit score has dropped 38 points because of these two hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1. My mortgage is current, as of XX/XX/2019, but the monthly statement still shows that I am one payment behind.

2. Mortgage Amount always is paid on time, but is placed in 'Suspense ' each month.

3. Administrative fees of {$37.00} is charged each month.

4. Can't work to get it resolved as they do not return calls nor do I have a specific department or person assigned to my account.

5. Original records transferred by JP Morgan Chase to former XXXX XXXX XXXX, now XXXX XXXX XXXX ( same company, different name ), contained errors such as the following ... 

5a ) Incorrect property tax owed when it was paid in full, on time.

( Proof was submitted ) 5b ) Incorrect property insurance amount owed when it was fully paid and on time.

( Proof was submitted ) 5c ) Forced Escrow - however the Property Tax was taken out after my first complaint. 
XXXX prepaid the home insurance ; it is now included in the payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: TN
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 looked at my Equifax credit report and noticed many accounts and other items that don't relate to anything I've done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: World Acceptance Corporation
State: AL
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 submitted numerous disputes with XXXX regarding inaccurate information being from World Acceptance Finance. The inaccuracies regards XXXX closed and paid accounts reporting delinquent. These accounts were paid off in XXXX. XXXX XXXX stated they did not report the accounts delinquent. It's XXXX reporting the accounts delinquent and not updating accurate information. These accounts are reporting as late payments. WhiI have submitted with XXXX to correct this since XX/XX/XXXX. The issue still is not resolved. Will you please help me resolve this issue. XXXX needs to correct this issue or delete the accounts. World Acceptance also stated the account was reported delinquent on XX/XX/XXXX. This account has been paid off since XXXX, so why did World Acceptance reported it delinquent in XX/XX/XXXX? I have been dealing with this issue over a year. Legal actions against both companies is the next step. It's against the law to report inaccurate information on consumers credit report. I have made numerous complaints with the Alabama Attorney General and Consumer Affairs both without resolution. This has to be resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: EQUIFAX, 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:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX   DOB:XX/XX/XXXX SS:XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX   Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX.

I recently submitted a request for investigation of an Acct Number : 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 Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you.

XXXX, XXXX   DOB:XX/XX/XXXX SS:XXXX  ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently received alerts from the credit bureaus about new hard inquiries that I did not authorize. I contacted the creditors and was unsuccessful in trying to find out any information. I tried contacting each credit bureau and was unsuccessful in reaching a live agent. I am trying to be proactive in catching activity on my credit file before any real damage is done.

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 2018-06-15
Company: Riverwalk Financial Corporation
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I was notified by my credit monitoring service that I new collection by the name of XXXX XXXX XXXX  had reported a collection account for {$10000.00} on my XXXX and XXXX credit reports. This has caused significant damage on my credit report. The alleged original creditor is XXXX XXXX XXXX XXXX, which was a XXXX School shut down by the federal government in XX/XX/XXXX for several fraud allegations. I attended this school in XX/XX/XXXX, well over 7 years ago.

There would be no reason for me to owe this money to this defunct school, and even if I did it would be over 7 years old and therefore unable to credit report anymore. Either way, any way you look at it, this credit reporting of this purported debt is invalid and a blatant attempt to extort me out of {$10000.00} - as the timing of this credit reporting could not be any more damaging to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 @ XXXX XXXX  I submitted a payment to Seterus in the amount of {$1000.00} as I do each month. When the payment did not clear the bank, I called Seterus and they told me that they had just been notified that the payment came back because it had been submitted under the wrong account number. The payments are made through XXXX XXXX on the Seterus website and I received a payment confirmation that I would not have received if I had entered the incorrect loan number. Furthermore, how did they report me delinquent to the credit bureau BEFORE they claim they received the payment back? I immediately contacted the bank and they had no clue what I was talking about. To date I have received no notification from Seterus or the bank, but my credit score dropped 58+ points. I had a loan modification 2 yrs. ago due to unemployment and have diligently made my payments since and have never been delinquent. Seterus had the unmitigated gall to tell me that once they reported me late they could not change it. I have worked in  mortgage banking over 20 years and know that to be a blatant lie. I was not late and nothing supports I was. They delayed the payment whether intentionally or not, I want it removed from the credit report that I have worked so hard to improve. They are one of the worst servicers in the business and I will not allow them to ruin what I have worked so hard to achieve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Continue to have problem login Chase and mismanagement of reverse of fee they take to the money away from me when then should add to my account please investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: AMERICAN EXPRESS COMPANY
State: TX
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 rewards from credit card

Complaint:
amex travel rewards unusable, frozen and made very difficult to use. I am unable to use my points, called amex travel, after multiple hold, hangups, and 5 hours of waiting, was told i can not use my rewards points online or over the phone, kept transferring me to different people departments, hanging up the phone and i still do not have a solution, amex refuses to refund my annual fee and i can not use my points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: AES/PHEAA
State: PA
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:
OnXX/XX/2018 I submitted disputes for validation of student loan information being reported incorrectly to all 3 Credit reporting agencies, XXXX, XXXX, and XXXX. I also reached out to the various reporting companies listed on the credit agencies reports. All the information from the Credit Bureaus differ and after the inquiries of dispute for validation, XXXX  and XXXX have claim to have found the information reporting to be valid and almost tripled the amount owed/balance reporting. They are also reporting some balances as paid {$0.00} balance. I have been on an income driven base payment plan which I have paid every for the past 9 months. As of XX/XX/2018 I have been considered successful and the loans I receive a letter that the loans are now returned the PHEAA.  However the balances were all consolidated and now they are reporting tripled on XXXX and XXXX. These have highly affected my chance of any progression or stability in life. The loans were previously sold to various companies and have history showing as report status of PAID {$0.00}, transferred to new lenders, CLOSED, some companies such as XXXX, XXXX XXXX, AES, XXXX etc and now the true balance are in discrepancy amongst the agencies and are causing denials and chaos in my life. The Credit agencies have not provided me with any valid documentation for any of what they are reporting on these student loans. These co

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX Credit Reporting ( File # XXXX ) continues to reinsert information known to be incorrect and previously removed. In fact, XXXX Office of Consumer Affairs XXXX XXXX XXXX XXXX GA XXXX, Sr. Consumer Relations Specialist XXXX XXXX XXXX alongside other representative Sr Representatives have committed fraud by making false statements of correction to both the State of Maryland Division of Financial Regulation ( XXXX XXXXXXXX XXXX and Consumer Financial Protection Bureau dating back to XXXX. 

XX/XX/XXXX XXXX XXXX of the XXXX Office of Consumer Affairs wrote correspondence to XXXX XXXX stating a disputed file for Kohls/Capital One ending in XXXX and XXXX have been removed and not currently reporting within my credit file. This account has now been reinserted with know to be fraudulent information asserting the first missed payment being XX/XX/XXXX. 

In referencing Confirmation # XXXX, the continued claim of correction by XXXX the Creditor Kohl 's Capital One,  unlawfully negatively reinsertion is a practiced targeted correlated attack on consumers. XXXX then blocks consumers from retrieving their reports and maintaining correctness virtual, in an effort to harm the consumer. XXXX has placed a block on my credit file alongside an extended fraud alert without the consumer 's XXXX XXXX XXXX XXXX request or consent. 

I faxed and mailed correction, without response, to XXXX and the creditor Kohl 's Capital One referencing the aforementioned error and demanding immediate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CURO Intermediate Holdings
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
OnXX/XX/XXXX 2021 I sent my dispute to this company about a account that was opened under my name without my knowledge or consent. And to date I still have not received any kind of response to my complaint or to know if they did any kind of active investigation into this matter. I have attached a copy of letter sent to company along with police report that I have been a victim of identify theft in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Justice Finance Company
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XXXX who is the Manager of Justice Finance which is located on XXXX XXXX in XXXX, TX. Yes I borrowed initial {$400.00} and paid it off, and I went back and borrowed {$500.00}. 
Well unfortunately we had deaths back to back in my family, and with all the stress and strain, I did forget to pay ... So XXXX XXXX took it upon himself and call my references, Okay I understand that. 
But XXXX XXXX decides he wanted to disclose my personal information, yes he violated my F.C.R.A ... .my references should not know how much I borrowed, when I borrowed it, and when you need me to come in and pay. He started by telling my mom, and then he went down the line. 
that is so unprofessional, and a major violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Date Reported XX/XX/2022 A student loan by XXXX Department of education for {$5500.00} on my credit report was not opened by me. I have paid off any all-student loans that I applied for years ago. I have disputed this, and they refuse to remove the 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 non-monetary relief
Consumer complaint received 2018-06-12
Company: WELLS FARGO & COMPANY
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Wells Fargo, appeared o my credit reports, with a balance of over {$11000.00}, I contacted them by mail, since XX/XX/2015 to XX/XX/XXXX. 

I have further written to them, and has provided with police report, and letter, stating that this account was opened fraudulently. 

I was told, that I needed to make payments, in order for this issue, not to be reported on my credit reports. 

Therefore, I have paid about {$4000.00}, or so on this fraudulently account to prevent them from damaging my credit worthiness. I have filed with this Agency before about this issue. Yet, WELLS FARGO refuses to clear this for me, knowing, that I did not apply for any credit cards with WF. 

I have spoken to date with every ne in the customer services dept., supervisors, managers in the fraud department, and with the headquarters/executive officers, Yet, they continue to request payment s on this account, which is definitely were not opened by me. 

How wf opened this account, when I am I A M A VITIM OF IDENTTY THEFT, AS WELLAS A FRAUD VICTIM, IS BEYOND MY COMPREHENSION. ALL THREE MANOR CREDIT BUREAUS HAVE A FRAUD ALERT ONMY PROFILES. 

I Refuse to take any other payments on this account, when they still ruined my credit worthiness, and I WILL NOT BE LABLE FOR THIS FRAUDLENT ACCOUNT. FURTHER REQUEST THROUGH WELLS FARGO, TO EFUND ME BACK EVERY PENNY, INWHICH I HAVE PAID THEM, YETTHEY DECIDED NOT TO ACKNOWLEDGE MY REUESRTS AT ALL, AS FAR AS I AM CONCERNED, I CAN SUE OR OPENING A FRAUDLENTLY ACCDER MY INFORMATION. I INTENT TO DO SO, IF THEY CONTIUE TO NOT COMPLY WITH MY REQUESTS. 

WELLS FARGO IS A FRAUD CREDIT COMPANY, INWHICH, TEHY FRAUDLENTLY OPEN ACCOUBTS UNDER FRAUD VICTIMS PERSONAL INFORMATION, ANDREFUSE TO MAKE ANY CORRECTIONS TO SOLVE THE ISSUES AT HAND AT ALL. a letter from wells Fargo, states an account ending in # XXXX, balance : {$11000.00}, IN WHICH IS ALL FRAUDLENTLY CHARGES ONTHE THE FRAUDENT OPENING OF THIS ACCOUNT, IN WHICH I have never received, JUST BILING S INTHE MAIL. 

THEY Also HAVE MY NAME WRONG : " XXXX XXXX WITH PARTIALLY INCORRECT ADDRES : XXXX XXXX XXXX, XXXX XXXX XXXX ', THIS TOO IS INCORRECT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card with capital one, and received a denial not because of derogatory information, but because they could not reach me to resolve a reporting error to proceed with the application. Nobody ever attempted to contact me, and I wrote a letter on XX/XX/18 requesting to be contacted and have them complete the application to approve the credit, but have never received any correspondence back from them.

Company response to consumer: Closed with explanation